Ha Nguyen
Consumer Loan - Product Development, Customer Experience & Loyalty Management
36/37 Nguyen Hien, District 3, Ward 4, HCMC, Vietnam
Summary
- 10+ years consumer banking professional with proven track record of delivering strong results, specializing in credit cards / consumer loans product development and portfolio management
- Extensive experienced in building partnerships or working with technology products and complex platforms
- Deep understanding of managing customer experience, loyalty programs as well as usage offers across different product - customer life cycles
Overview
10
10
years of professional experience
5
5
years of post-secondary education
Work History
Unit Head of Card Usage
VPBank Finance Company Ltd. Co. - FE Credit - Ho Chi Minh City - Vietnam
03.2016 - 01.2021
- Developed new “Credit Card Usage and Portfolio” management platform for portfolio of over 500,000 active cards, including network of 1000+ allied merchants, built different features for card installment and card spending
- Developed sales engine consisting of 200+ staffs focusing on Installments
- Created various campaigns to manage Customer Life Cycle and improve customer engagement
Achievements:
- Exceeded annual target for “Installments” and “Spending Active Rates”
- Maintained 20% yield on card outstanding and over $12 million in monthly card retail spending
Credit Card Product Manager
Citibank. N.A. - Ho Chi Minh City - Vietnam
09.2014 - 03.2016
- Launched Citi PremierMiles Visa Signature card
- Managed two key Citi credit card products, PremierMiles and Cashback, which represents 60% of Citi credit card portfolio
- Launched and managed different campaigns to drive card acquisitions and spending
- Monitored and reviewed key credit card portfolio drivers, including interest and fees charged to cardholders, reward cost, COF, rejection rates
Achievements:
- Launched new product, Visa PremierMiles, in 3 months - similar product launches took 12 months
- Reduced reward cost by 20%
Management Associate
Citibank. N.A. - Ho Chi Minh City - Vietnam
09.2012 - 08.2014
- Launched 0% PayLite program and Rewards Visa Platinum Cards
- Developed Branch KPI reports and Analytics for Credit Card Performance
- Enhanced the control process in branches to meet Regional Compliance standards
Achievements:
- Nearly doubled Citi card spending at 0% Paylite program merchants
- Achieve MOM growth of 30% for card acquisition
Research Analyst
Fides Investment Management - Ho Chi Minh City, Vietnam
09.2008 - 06.2010
- Conducted industry reports by assessing industrial business operation and searching industry database, specialized in Travel and Leisure, Utilities, Real Estate and Finance Sectors
- Recommended stocks on HOSE and HAX to buy and sell to investment managers by analyzing financial ratios, forecasting income and projecting cash flows
Education
RMIT University - Saigon South Campus - MBA
03.2010 - 01.2011
University of Economics Ho Chi Minh City - BBA
09.2004 - 06.2008
Skills
Develop & design new service / product value proposition
Product / Customer life cycle management
Portfolio analysis / Segmentation
Campaign & Communication management
Project management & implementation
P&L analysis & management
Leadership
Partnership
Timeline
Unit Head of Card Usage
VPBank Finance Company Ltd. Co. - FE Credit - Ho Chi Minh City - Vietnam
03.2016 - 01.2021
Credit Card Product Manager
Citibank. N.A. - Ho Chi Minh City - Vietnam
09.2014 - 03.2016
Management Associate
Citibank. N.A. - Ho Chi Minh City - Vietnam
09.2012 - 08.2014
RMIT University - Saigon South Campus - MBA
03.2010 - 01.2011
Research Analyst
Fides Investment Management - Ho Chi Minh City, Vietnam
09.2008 - 06.2010
University of Economics Ho Chi Minh City - BBA
09.2004 - 06.2008