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Work Background
PVcomBank Head of Transformation Management Department
Mar. 2024Vietnam
PVcomBank Head of Business Strategy
Apr. 2021 - Mar. 2024Vietnam
Techcombank (TCB)Credit Product Expert
Aug. 2019 - Apr. 2021VietnamAt Business Banking Division – Product and Policy Department – Management of customer Journey: - Review and Refine RWA calculation under Circular 41 by SBV; Leader in creating Report on RWA with mitigation measures to RWAs;
- Pricing policy for corporate: Reviewing and totally restructuring pricing mechanism of lending for SME customers, including Prime rate applied to Recom;
- Leader in building up and launching Pricing engine/ Pricing tools, where incorporates lending, deposit and fees with 12months forecast to support to the delegation of authorities;
- Proposal and implementation of LDR (Loan to Deposit Ratio) for FTP (Fund Transfers Pricing): Trade off COF and VOF to support business;
- Proposal and launching Preferential COF/ Customer Interest rate Campaign to push lending growth;
- Portfolio Management: Review and proposal pricing to customers to optimize TOI, customers behaviors analysis: early repayments, lending need under Covid19 pandemic, sales opportunities from CIC data…
- Reports: Preparing report to ALCO, BOD, BOM, to SBV…
VietinBankFinancial Planning Manager
Apr. 2017 - Aug. 2019Hanoi, Thành Phố Hà Nội, Vietnam- Leader in Financial planning for Branches (155 branches): preparing business plan for 155 branches ((hybrid method: top-down and bottom-up) by predicting 30 targets such as Credit Average balance, Deposit Average balance, Net Interest Income (NII), Fee Income by customers’ segments, Other Incomes, Profit and Loss; linking majors in the plan by branch and dealing with abnormal cases for an adequate plan of each branch; discussing with other departments to finalize the plan; training and guiding members to conduct relevant prediction; revising the plan as requested by the BOD/BOM.
- Leader in majors: Loan, Net interest Margin (NIM) and Fees Income: understanding, revising and set up new principals and rules to predict and allocate business targets to Departments at HO and branches; -Leader in supervising and reporting business performance of 155 branches; - Branches manager of 20 branches in Hanoi: support and deal with issues of branches.
- Preparing monthly and ad-hoc reports to the BOD and BOM of the Bank;
- Set up business target to subsidiaries: Global Money transfer company;
- Developing the IT systems: FPB – Financial Planning and Budgeting, MPA – Multi-dimensional Profitability Analysis
MUFGCredit Policy Officer
Nov. 2014 - Sep. 2015Tokyo, JapanOn the Job training at CPPD (Credit Policy and Planning Division) at MUFG Japan
- Training on Basel 2, Basel 3: application at BTMU and at Vietinbank under Vietnam (draft of Circular 41);
- Calculating PD, LGD, EL, UL and RWA of BTMU portfolios and BTMU’s subsidiaries: Krungsri, Union Bank
- Profitability Management: application of Return on Risk Weighted Asset (RORA tools)
- Provision for credit risk under IFRS 9
- Stress test at BTMU
- Portfolio Management at BTMU: Systems and Reports
VietinBankCredit Portfolio Manager (team leader)
Jan. 2013 - Apr. 2017Hanoi, Thành Phố Hà Nội, Vietnam- Researches on best practices and standards on Credit Risk and Credit Portfolio Management and application at Vietinbank: Setting up Frame on Credit Risk Management, Building up the PMS (Portfolio Management System), Conducting Credit Stress test at Vietinbank;
- Application of new Circulars/ Decisions on Credit and Credit Risk in Vietinbank (Circular 02, 19, 36…)
- In charge of the Quarterly Report on inherent credit risk and impacts on PnL of the Bank.
- Research on Regulations of Basel 2 and implementation in Vietinbank: proposal of use tests in credit risk portfolio optimization
- In charge of monthly reports for Risks Management Committee and ad-hoc reports as request; Review credit reports to SBV.
- Industries’ Analysis: Frequent updates and impacts to Credit of Vietinbank
- M&A: Analysis on credit risks of the Target company.
- Create Handbook on Credit Risk of Vietinbank
- Trainer in training courses on Credit Risk organized by Vietinbank School
VietinBankCredit Appraiser
Jun. 2012 - Jan. 2013Hanoi, Thành Phố Hà Nội, VietnamRe-appraisal of credit limit for corporates
EYSenior Audit Manager
Dec. 2009 - Jun. 2012Hanoi, Thành Phố Hà Nội, VietnamConduct audit projects in banking sector
- Audit Projects at Vietnam Joint Stock Commercial Bank for Industry and Trade (Vietinbank) for the audit periods in 2009, 2010 and 2011; Vietnam Bank for Agriculture and Rural Development (Agribank), Hanoi Building Commercial Joint Stock Bank (Habubank) for the audit period in 2011; Audit project at Agribank Leasing Company II (ALC II) - Vietnam Bank for Agriculture and Rural Development (Agribank) for an audit period in 2010; + Leader of the loan review group for Vietinbank loan classification in the audit project at the year ended 2010: responsible for reviewing, analyzing loan portfolio of Vietinbank, writing report on loan portfolio of Vietinbank under VAS and IFRS.
+ In charge in auditing accounts income – expenses, and accounts receivables of Vietinbank; + In charge in auditing accounts on tax of Vietinbank;
+ In charge in writing Management Letter on issues related to operating procedures of Vietinbank;
+ Understanding operating procedures and accounting treatements of Vietinbank on lending, credit scoring, tax, forex, investment in associates and joint venture, and financial statement close process;
BPCE (Banque Populaire du Sud-Ouest)Graduate Trainee
Feb. 2009 - Sep. 2009Bordeaux, France-At Credit Management Department:
+ Understanding Basel 2 applied at the Group wide and Building up indicators to evaluate credit reviewing activities of the Bank;
+ Understanding credit scoring procedure and credit management procedure;
+ Writing report on credit to Director. - At Internal Audit Department: Understanding and joining the internal audit programs at the bank
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