Finance & Product Strategy
Shape portfolio, pricing, product mix, channel, and customer lifecycle strategies around sustainable value.
Finance · Product · Data · Transformation
Turning complexity into scalable growth.
I'm Nguyễn Hải Đăng, a product transformation leader with roots in finance and data. I connect commercial strategy, customer needs, decision systems, and technology-enabled delivery to create sustainable growth.
Ho Chi Minh City, VietnamOpen to meaningful conversations
Selected outcomes
10+Years across finance, product, data & transformation
3–5YStrategy horizons translated into executable roadmaps
3× 0→1Functions built across research, finance & data, and product transformation
UpliftMeaningful revenue and profit growth with risk appetite unchanged
01 / Profile
A wider lens on product leadership.
I have spent the past decade moving across research, banking technology, commercial finance, data management, and product transformation — repeatedly helping build new functions from the ground up. That range shapes how I work today: start with the economics, understand the system, design around the customer, and build an operating model that can keep improving.
Data, Digital & Decisioning
Translate predictive models, digital journeys, and constraint-based optimization into decisions teams can operate.
Performance & Value Management
Build LTV, P&L, monitoring, and decision frameworks that connect daily action to long-term value.
Transformation & Organization Building
Lead end-to-end change and build new capabilities across Product, Risk, Finance, Sales, Data, and Technology.
02 / Selected work
Systems built for measurable impact.
Public-safe summaries of work spanning decisioning, portfolio strategy, financial governance, and operating-model design.
01Decision systems
Personalized offer optimization
Challenge
Move from broad offer design and passive demand capture to proactive, customer-centric decisioning.
Approach
Combined predictive models, commercial objectives, and real-world constraints in a governed optimization system.
Upliftrevenue + profitRisk appetite unchanged
02Product transformation
Core lending portfolio strategy
Challenge
Create one direction across product design, portfolio mix, channels, and customer lifecycle priorities.
Approach
Led the end-to-end revision from strategic diagnosis through roadmap design and cross-functional execution.
3–5Ystrategy horizonProduct · portfolio · channels
03Organization building
Functions built from 0→1
Challenge
Create new specialist capabilities when the organization needs a stronger engine for research, decision support, or transformation.
Approach
Established Research Production, Commercial Finance & Data Management, and Product Transformation functions across three career stages.
3×functions builtResearch · finance & data · product
03 / Experience
From analytical foundations to transformation leadership.
A career built by repeatedly connecting business questions with the data, systems, and teams required to answer them.
Download full CVApr 2026 — Present
Home Credit
Product Transformation Lead — Lending Products & VAS
Leading the transformation agenda across lending products and value-added services, connecting product strategy, data, digital, and cross-functional execution.
Jul 2024 — Mar 2026
Home Credit
Senior Product Manager — Transformation & Performance Analysis
Leading product transformation, data-driven strategy, customer-centric offer optimization, and cross-functional delivery.
2023 — 2024
SHB Finance
Unit Head — Commercial Finance & Data Management
Established commercial finance and data management foundations for strategic planning and Board-level decision-making.
2020 — 2023
Home Credit
Commercial Finance Manager
Progressed from analyst to manager, leading planning, product analysis, LTV application, and performance management.
2018 — 2020
FPT Information System
Business Analyst — Banking Division
Delivered banking risk and finance solutions while bridging business frameworks, data architecture, and implementation.
2016 — 2018
VIRAC
Head of Company Research Production
Co-founded and scaled a research production function serving institutional clients.
04 / Point of view
Principles behind the work.
The themes I keep returning to — and the foundation for future writing on product, decisioning, and transformation.
Value lives beyond conversion.
Product decisions should be evaluated over a customer lifetime — not only at the moment of acquisition.
Decisioning is a product.
Optimization becomes valuable when commercial logic, risk constraints, and customer behavior meet in one operating system.
Transformation must become routine.
The real test is whether the new way of working keeps producing better decisions after the launch team steps away.
05 / Foundation
Credentials & continued curiosity.
Education & credentials
- B.Sc. in International EconomicsForeign Trade University
- FRM Part I · CFA Level IFinance & risk foundations
- Oracle Financial ServicesData & performance management
Beyond work
My curiosity extends into programming, investment models, automation tools, AI assistants, IoT, and smart-home systems. Outside the screen, I reset through badminton, golf, trail running, swimming, archery, chess, and board games.
Technology projectsSmart systemsStrategy gamesOutdoor sports
06 / Contact
Have a transformation challenge worth discussing?
I'm always interested in thoughtful conversations about products, decision systems, growth, and the operating models that make change stick.