Summary

Results-driven data analyst with extensive experience in risk management and SME lending, backed by a foundation in external audit and corporate finance. Proven expertise in developing credit risk models, portfolio analytics, and data-driven solutions. Seeking to leverage advanced analytics capabilities and banking domain knowledge to drive strategic risk management decisions as well as new challenges in others domain: e-commerce, insurance, manufacturing.

Interested topics:

Deep credit risk analytics (Basel, CECL, IFRS 9);
Bayesian Modeling;
Causal Inference;
Advanced visualization (grammar of graphics, ICBS standard).

This is my curriculum vitae, for a one-pager profile please refer to my résumé.

Career

VGrowth Development Co.,Ltd

Risk Management (Mar, 23 - present)

I worked as a Senior Data Analyst:

Lead end-to-end credit analytics initiatives covering underwriting, portfolio management, and collections, resulting in optimized credit policies and risk controls;
Develop and implement an application scorecard for MSMEs/Households lending products, collaborating closely with CRO/CDO throughout the model lifecycle;
Manage data curation, warehousing, and reporting workflows to support operation and reporting system;
Streamline cross-functional processes across Sales, Product, Underwriting, Collection, Finance, and Operations teams through data-driven solutions,implementing KPIs and customer segmentation frameworks to enhance automation and operational efficiency.

VietCredit Finance Company

Risk Management (Feb, 22 - Mar, 23)

I worked as a Data Analyst:

Conducted comprehensive portfolio quality analyses and product reporting, delivering actionable recommendations for product policy and risk control;
Managed data curation and reporting workflows for critical daily/monthly deliverables while contributing to enterprise data projects;
Participated in company’s digital transformations projects, monitored UAT for new applications, assisted others departments on daily operation.

Techtronic Industries Vietnam Mfg. Co., Ltd

Operation Finance (Jan, 21 - Feb, 22)

I worked as a Financial Analyst:

Partnered with Production teams to ensure data accuracy and generate efficiency reports for Vietnam factories;
Prepared monthly functional P&L, directly handled accrual, analysis, forecast, & budget preparation for Direct Labor;
Performed cost control in the belt-tightening period due to the Covid pandemic, co-operated effectively with other functional departments for daily operation process.

Ernst & Young Vietnam Ltd

Core Assurance (Dec, 19 - Jan, 21)

I worked as an Audit Assistant:

Interviewed client, evaluated control environment from the critical understanding of the business process, defined possibility of accounting material misstatements;
Executed risk-based audit procedures following EY methodology to verify financial statement accuracy;
Supported senior management in financial statement preparation and issuance.

Education

Foreign Trade University, HCMC campus

Bachelor of Accounting & Auditing (Dec, 16 - Apr, 20)

GPA: 8.4/10 (3.41/4)
Graduation thesis: 8.9/10 (“Accounting information quality, information asymmetry, and the cost of capital” - used R & Stata for data crawling, manipulation, and modeling).

Phan Boi Chau High School for the Gifted

Math Specilized Class (Dec, 13 - May, 16)

Technical Skills

Domain Expertise: Credit risk analytics • Customer segmentation • Product pricing • Financial analysis
Data Processing: Salesforce • Excel & Power Query • Google Sheets & Apps Script • Pandas • dplyr
Visualization/Presentation: Excel & Powerpoint • Power BI • Ggplot2 • R Markdown & Quarto
Modeling: Power Pivot & Power BI • scikit-learn • statsmodels
Programming: Python • R • SQL • PowerShell/Bash • Git

Languages

Vietnamese (native language) • English (fluent in communication) • Chinese Mandarin (HSK 5 equivalent).

Please also visit my GitHub for the projects I did and visit my Linked in for more details.

--- title: "Curriculum Vitae" # Curriculum vitae title-block-banner: true format: html: code-tools: true toc: true toc-location: right --- # **Summary** Results-driven data analyst with extensive experience in risk management and SME lending, backed by a foundation in external audit and corporate finance. Proven expertise in developing credit risk models, portfolio analytics, and data-driven solutions. Seeking to leverage advanced analytics capabilities and banking domain knowledge to drive strategic risk management decisions as well as new challenges in others domain: e-commerce, insurance, manufacturing. Interested topics: - Deep credit risk analytics (Basel, CECL, IFRS 9); - Bayesian Modeling; - Causal Inference; - Advanced visualization (grammar of graphics, ICBS standard). This is my curriculum vitae, for a one-pager profile please refer to my [résumé](https://lktuan.github.io/curriculum/resume/). # **Career** ------------------------------------------------------------------------ ### [VGrowth Development Co.,Ltd](https://validus.vn/) **Risk Management (Mar, 23 - present)** I worked as a Senior Data Analyst: - Lead end-to-end credit analytics initiatives covering underwriting, portfolio management, and collections, resulting in optimized credit policies and risk controls; - Develop and implement an application scorecard for MSMEs/Households lending products, collaborating closely with CRO/CDO throughout the model lifecycle; - Manage data curation, warehousing, and reporting workflows to support operation and reporting system; - Streamline cross-functional processes across Sales, Product, Underwriting, Collection, Finance, and Operations teams through data-driven solutions,implementing KPIs and customer segmentation frameworks to enhance automation and operational efficiency. ### [VietCredit Finance Company](https://www.vietcredit.com.vn/) **Risk Management (Feb, 22 - Mar, 23)** I worked as a Data Analyst: - Conducted comprehensive portfolio quality analyses and product reporting, delivering actionable recommendations for product policy and risk control; - Managed data curation and reporting workflows for critical daily/monthly deliverables while contributing to enterprise data projects; - Participated in company’s digital transformations projects, monitored UAT for new applications, assisted others departments on daily operation. ### [Techtronic Industries Vietnam Mfg. Co., Ltd](https://www.ttigroup.com.vn/) **Operation Finance (Jan, 21 - Feb, 22)** I worked as a Financial Analyst: - Partnered with Production teams to ensure data accuracy and generate efficiency reports for Vietnam factories; - Prepared monthly functional P&L, directly handled accrual, analysis, forecast, & budget preparation for Direct Labor; - Performed cost control in the belt-tightening period due to the Covid pandemic, co-operated effectively with other functional departments for daily operation process. ### [Ernst & Young Vietnam Ltd](https://www.ey.com/) **Core Assurance (Dec, 19 - Jan, 21)** I worked as an Audit Assistant: - Interviewed client, evaluated control environment from the critical understanding of the business process, defined possibility of accounting material misstatements; - Executed risk-based audit procedures following EY methodology to verify financial statement accuracy; - Supported senior management in financial statement preparation and issuance. # **Education** ------------------------------------------------------------------------ ### [Foreign Trade University, HCMC campus](https://cs2.ftu.edu.vn/) **Bachelor of Accounting & Auditing (Dec, 16 - Apr, 20)** - GPA: 8.4/10 (3.41/4) - Graduation thesis: 8.9/10 (“Accounting information quality, information asymmetry, and the cost of capital” - used R & Stata for data crawling, manipulation, and modeling). ### [Phan Boi Chau High School for the Gifted](https://www.linkedin.com/company/phan-boi-chau-high-shool-for-the-gifted/about/) **Math Specilized Class (Dec, 13 - May, 16)** # **Technical Skills** ------------------------------------------------------------------------ - **Domain Expertise**: Credit risk analytics • Customer segmentation • Product pricing • Financial analysis - **Data Processing**: Salesforce • Excel & Power Query • Google Sheets & Apps Script • Pandas • dplyr - **Visualization/Presentation**: Excel & Powerpoint • Power BI • Ggplot2 • R Markdown & Quarto - **Modeling**: Power Pivot & Power BI • scikit-learn • statsmodels - **Programming**: Python • R • SQL • PowerShell/Bash • Git # **Languages** ------------------------------------------------------------------------ Vietnamese (native language) • English (fluent in communication) • Chinese Mandarin (HSK 5 equivalent). Please also visit my [GitHub](https://github.com/lktuan) for the projects I did and visit my [Linked in](https://www.linkedin.com/in/tuanlekhac/) for more details.