Uyen Tien
Ho Chi Minh City
Summary
Strategic and execution-driven C-level executive with over 15 years of experience building and scaling digital lending, credit card, and embedded finance businesses across banks, fintechs, and consumer finance institutions. Proven ability to lead from strategy to execution — from credit architecture and product governance to end-to-end risk frameworks that improved portfolio performance by 30%.
Played a pivotal role in launching successful digital banks and shaping modern financial ecosystems, with a leadership style grounded in clarity, speed, and disciplined execution. Adept at integrating cross-functional teams and aligning stakeholders to deliver scalable, resilient, and customer-centric platforms.
Overview
17
17
years of professional experience
Work History
Chief Credit Officer
Galaxy FinX
04.2022 - Current
- Designed and implemented end-to-end product strategy for lending and credit card, including Biz plan, product vision, customer segmentation, value propositions, credit policy, decision framework, and tech stack integration.
- Launched Virtual Credit Card, Overdraft, LOS, and LMS with seamless go-live across digital channels.
- Led development of Whole Life and Lifestyle Banking concepts, aligning with ecosystem strategies.
- Streamlined credit approval processes, enhancing speed by 25%.
- Implemented credit policies that reduced default rates by 15% and boosted portfolio performance by 30%.
- Used data analytics to proactively manage risk, improving decision quality and minimising loss.
- Cultivated strong cross-functional collaboration with mother banks and external vendors.
- Achieved full regulatory compliance while supporting rapid growth.
- Lead product architecture, policy design, compliance framework.
Head of Risk Management
Cake by VPBank
08.2021 - 04.2022
- Designed and implemented risk core capabilities and frameworks across digital banks, cover credit risk, operational risk, fraud prevention and detection, and debt collections
- Launched digital lending and credit card risk infrastructure which helps reducing 25% risk costs
- Analysed business processes to identify cost savings and operational efficiencies.
- Collaborated with C-level executives to develop long-term bank financial plans
- Launched in-house built LOS, LMS, Decision engine which helps reducing 50% operational cost
- Launched modelling and digital footprints roadmap, includes
Head of Risk Management
One Mount Group
08.2020 - 07.2021
- Developed end-to-end risk architecture for B2B2C digital lending (VinID/VinShop).
- Worked with McKinsey on financial service strategy and modeling roadmap.
- Led scrum team with Agile delivery framework
- Launched in-house built decision engine, fraud risk systems, alternative data models.
- Launched 1st-ever credit scoring model based on e-wallet digital footprints
Director of Digital Lending
Jirnexu Malaysia
01.2020 - 04.2020
- Developed two Products as a Service (PaaS) for VN lending industry: Scored and validated leads gen, provide to financial institutions (banks/ consumer finance companies)
- Built up the decision tree to manage the validation and scoring process that can help improving the conversion rate from lenders
- Develop the end to end process configured in the platform, from digital onboarding to ekyc to risk engines
Country Directory of Risk and Operations
Wecash Group
12.2018 - 12.2019
- Launched the digital lending platform and the whole operations of pay-day-loans in VN market
- Designed and pitched Lending as a service to Banks
- Hired and managed daily operations of 26 headcounts: Credit Underwriting and Debt collections
Chief Risk Officer
EVN Finance
11.2017 - 10.2018
- Launched end to end risk management framework and risk architecture for consumer lending
- Established and oversaw application of operational risk policies, technology and tools and governance processes to create lasting solutions for minimizing losses
- Served as subject matter expert for development and implementation of corrective action plans where substantial unnecessary loss resulted regularly from current policy.
- Oversaw organization-wide lending function, challenging existing operational risk routines to improve identification, access control and incident reporting standards.
- Launched digital personal loan product
- Launched lending platform: Loan management system, Credit scoring, Credit underwriting, Debt Collections
- Influenced appropriate risk management prioritization on front lines to promote strategic objectives while meeting operational risk program expectations.
- Launched standard risk operations policy, remuneration scheme, code of conduct and manage quality control across Underwriting, Debt collections activities
- Hired and managed a team of 22 people
Head of Risk Management
HD SAISON
11.2010 - 11.2017
- Developed and managed company credit risk and operational risk culture and governance from scratch
- Hired and coached a high performing risk teams of 12 people
- Developed risk-centralized database and implemented KPI
- Led Risk committee, Dealer committee and designed risk strategy across big lending portfolio
- Analyzed business processes to identify cost savings and operational efficiencies.
- Successfully managed NPL under 3% while approval rate more than 40%
- Implemented the automation of decision tree and credit bureau policy rules, which help reducing underwriting cost more than 35% and fasten the processing time more than 50%
Senior BI Expert
Prudential Life Insurance
06.2008 - 10.2010
- Managed the big database to analyze the key performance indicators, implemented company dashboard and agency dashboard
- Designed the promotion activities towards the agency network to help the company achieve the monthly target
- Successfully launched General Agency compensation schemes
Education
Bachelor of Science - Business Statistics
University of Economis, HCMC
08-2009
Bachelor of Science - Finance And Banking
University of Economics And Laws, HCM National University
04-2008
Skills
- Digital Lending & Credit Cards Strategy
- Digital Lending Platform
- Risk Framework Design & Execution
- Product Visioning & Lifecycle Management
- Cross-functional Leadership (Product, Risk, Tech, Ops)
- Scorecard & Decision Engine Development
- Regulatory Compliance & Risk Governance
- Digital Transformation & Fintech Partnerships
- P&L Management & Business Scaling
Timeline
Chief Credit Officer
Galaxy FinX
04.2022 - Current
Head of Risk Management
Cake by VPBank
08.2021 - 04.2022
Head of Risk Management
One Mount Group
08.2020 - 07.2021
Director of Digital Lending
Jirnexu Malaysia
01.2020 - 04.2020
Country Directory of Risk and Operations
Wecash Group
12.2018 - 12.2019
Chief Risk Officer
EVN Finance
11.2017 - 10.2018
Head of Risk Management
HD SAISON
11.2010 - 11.2017
Senior BI Expert
Prudential Life Insurance
06.2008 - 10.2010
Bachelor of Science - Business Statistics
University of Economis, HCMC
Bachelor of Science - Finance And Banking
University of Economics And Laws, HCM National University
Similar Profiles
Quynh NguyenQuynh Nguyen
Customer Service Representative at Galaxy FinX Joint Stock CompanyCustomer Service Representative at Galaxy FinX Joint Stock Company
Veena LakhwaniVeena Lakhwani
Deputy Vice President-FinX Social at FinX Group Of CompaniesDeputy Vice President-FinX Social at FinX Group Of Companies
Madiha NazMadiha Naz
Esports Athlete at Galaxy Racer/Nigma GalaxyEsports Athlete at Galaxy Racer/Nigma Galaxy
Dat NguyenDat Nguyen
Product Consulting at GEEK UpProduct Consulting at GEEK Up
Mark TurnbullMark Turnbull
Major Education, English Centre – Ho Chi Minh City, Vietnam at Major English CentreMajor Education, English Centre – Ho Chi Minh City, Vietnam at Major English Centre