Data Science and Pricing
Two data science specialists, including a senior expert, working on predictive decisioning and pricing optimization.
About / Professional narrative
A career built by expanding the unit of impact.
From market and company research, to banking systems, commercial finance, data management, and product transformation—the work has consistently centered on making complex business decisions more structured, measurable, and executable.
The consistent thread
Turning complex business questions into structured decisions, scalable systems, and measurable outcomes.
Economics taught me to understand value. Research taught me to structure ambiguity. Banking technology taught me to translate business logic into systems. Commercial finance and data management taught me to connect decisions with long-term economics.
Product transformation brings those disciplines together at a larger scale: aligning strategy, products, customer behavior, decision systems, governance, and cross-functional execution.
Current leadership
Lending strategy, people and execution.
Product Transformation Lead - Lending Products & VAS · Home Credit Vietnam
I lead four senior experts and managers across the capabilities below, working with Product, Risk, Finance, Sales, CRM, Data and Technology to turn priorities into coordinated delivery.
Business Performance
An expert in business performance analytics, connecting observed results with portfolio and product decisions.
Product Transformation
A transformation manager supporting the translation of priorities into coordinated execution.
Career evolution
From analysis to transformation.
Each stage added a new layer: understanding, system design, decision quality, capability building, and portfolio leadership.
01Research production
Build reliable output
At VIRAC, I established research production, building the team and workflows supporting 500+ company reports across 26 industries.
02Banking technology
Translate business logic
At FPT IS, I connected risk and finance requirements with calculation logic, data architecture and CAR/ICAAP implementation.
03Commercial finance and data
Make economics usable
At Home Credit and SHBFinance, I helped build finance capabilities and brought LTV and contract-level P&L into management decisions.
04Product transformation
Lead people and execution
Today I lead a senior team across data science, business performance and product transformation, connecting strategy with delivery.
Career proof
The roles behind the progression.
The deeper progression is from creating analytical output to designing systems, building functions, and leading an integrated transformation agenda.
Apr 2026 — Present
Home Credit Vietnam
Product Transformation Lead — Lending Products & VAS
Lead four senior experts and managers across data science, pricing optimization, business performance analytics and product transformation. Own the business roadmap and coordination of lending and VAS transformation.
Jul 2024 — Mar 2026
Home Credit Vietnam
Senior Product Manager — Transformation & Performance Analysis
Led a three-year Cash Loan strategy revision and the launch and expansion of FICO-based offer optimization. Built performance and LTV measurement frameworks.
Jun 2023 — Jul 2024
SHBFinance
Unit Head — Commercial Finance & Data Management
Built Commercial Finance and Data Management capabilities, establishing planning, centralized decision data and contract-level economics for management and Board decisions.
Oct 2020 — Jun 2023
Home Credit Vietnam
Commercial Finance Manager
Joined as the first Commercial Finance member and progressed from Analyst to Manager. Helped establish planning, business partnering and portfolio performance management.
Nov 2018 — Oct 2020
FPT Information System
Business Analyst — Banking Division
Translated banking risk and finance requirements into CAR/ICAAP calculation logic, data architecture and implementation designs, including Oracle and in-house solutions.
Jun 2016 — Nov 2018
VIRAC
Head of Company Research Production
Established Company Research Production, building the team, workflows and quality standards supporting 500+ company reports across 26 industries.
How I lead
Give specialists a shared decision.
A small set of principles connecting strategy, analysis, leadership, and delivery.
Start with the economics
Clarify where value is created, which trade-offs matter, and what sustainable growth means before choosing the solution.
Make the decision explicit
An insight matters when an owner can understand it, choose an action, and learn from the result.
Build across boundaries
Bring Finance, Product, Risk, Sales, Data and Technology into the decisions that depend on their expertise.
Make change repeatable
Transformation becomes durable when the new behavior is embedded in governance, data, roles, and operating rhythm.
How I work
Tools that support the decisions.
The stack is organized by how it supports decisions—from leading and designing, to applying, building hands-on, and exploring.
Lead & design
Product strategy, transformation roadmaps, product economics, decision governance, portfolio management, and organizational capability building.
Apply regularly
LTV, financial modelling, FICO Decision Optimizer, Power BI, data architecture, experimentation, and executive decision narratives.
Build hands-on
SQL, Python, VBA, analytical automation, reporting workflows, and synthetic prototypes.
Explore
Generative AI workflows, personal knowledge systems, home servers, IoT, and smart-home architecture.
01
Lending strategy
02
Decision science in practice
03
Portfolio economics
04
Teams and transformation
Next / Evidence
See how the thinking becomes work.
Explore public-safe case studies across offer optimization, lending transformation, product economics, and organizational capability building.