Phuong Thu DANG

Payment Processing & Core Integration

• Defined issuer-side transaction flows for card and QR payments, detailing authorization conditions and decline scenarios.
• Mapped end-to-end payment flows across Way4, core banking, and downstream services to enhance transaction stability.

Card-Based Credit & Installments

• Designed functional logic for transaction-triggered credit scenarios, addressing AIP eligibility and EMI conversion rules.
• Aligned credit activation logic with transaction attributes to facilitate pre-approval flows effectively.

Embedded Savings Logic (PigG)

• Specified auto-save and round-up rules linked to real transactions, enabling savings accumulation from spending.
• Integrated PigG logic into card, QR, and credit experiences for consistency across payment channels.
• Analyzed business processes to identify improvement opportunities and enhance operational efficiency.

• Coordinated cross-department digital transformation initiatives across retail banking functions.
• Collaborated with IT, Operations, and Compliance to align digital solutions with regulatory standards.
• Consolidated performance metrics and delivered management summaries to aid prioritization and execution tracking.

• Managed a portfolio of over 85 priority banking clients, delivering tailored deposit, lending, and investment solutions.
• Consistently achieved and exceeded sales targets for deposits and loan products.
• Built strong client retention through needs-based advisory and proactive relationship management, supporting cross-sell initiatives.
• Recognized as a top-performing RM within the Northern region’s premium banking segment.