Bảo Nhung

A data strategy and analytics leader with extensive experience in building data teams, data warehouses, BI dashboards, and enabled decision systems. Expertise has been demonstrated across strategic reporting, performance tracking, data modeling, automation, and cross-functional analytics. Large-scale cost optimization, revenue impact, and operational efficiency improvements have been delivered through data-driven initiatives in fintech and research environments.

Senior Data Strategy Manager at Home Credit (2024-12 – Present)

• Built and lead the Data Strategy team: Established a performance-tracking framework for internal and external data by developing dashboards within one month from scratch. Lead the team in generating actionable insights and implementing strategies across data collection, underwriting, data science, and product teams. After implementing a new data refresh strategy targeting specific customer segments, improved offline approval rates from 78% to 95% within three months, while saving four working days per cycle compared to the previous process.
• Optimized Big Data costs: Redesigned underwriting and big data utilization processes (initiated in 2022, latest revision updated by us) to eliminate non-essential phases, reducing big data costs by 20% to forwards. Fine-tuned key internal and external parameters, ensuring accurate client scoring and improved model detection accuracy. Established a data usage framework focused on applying the right data at the most impactful decision-making phases.
• Delivered strategic initiatives with stakeholders: Leveraged big data analytics and customer repayment behavior insights to design a long-term customer engagement strategy for the Cash Loan product (company’s highest-value product), launched on August 14th.
• Team leadership and enablement (5 members): Trained the Data Strategy team to independently build and utilize Power BI dashboards. Guided the team in conducting advanced analytics to deliver actionable business insights. Enhanced team productivity by streamlining ad-hoc and monthly reporting processes and establishing a dedicated data mart for the team.

Head of Data and Analytics at DIGIPAY (2021-03 – 2024-12)

• Build and Manage Data teams (6 members): established Data Management, Business Intelligence and Reconciliation teams from scratch to support business functions such as data operation, data analytics, and partner data reconciliation. For any specific objective, my approach is to define relevant key metrics to support data-driven decision making.
• Develop a Scalable Data Warehouse: Built a scalable and sustainable Data Warehouse with Lake – Warehouse – Mart layers for the company using cutting-edge software like GCP, Airbyte, Airflow, dbt and Terraform. Performance, latency and data processing speed improved more than 15 times. Our Data Warehouse consolidates and centralizes data from various sources, including systems (mySQL Postgres, AWS), local files, Gmail and partner’s sources. Additionally, every single error and the GCP cost of each service or user will be updated and controlled in real-time via Slack notifications enabling the DE team to re-check and re-connect to ensure smooth operatings.
• R&D Development Leader: as a leader of R&D department leader in the first phase of MTrade product, I deployed ML-AI initiatives for our platform and utilize internal data to optimize system flow and cost. With over 20 Tb well-structured data are using and be applied as an engine into MFast’s application. 6-month after kicking off the project, we terminated services from 8 vendors’ and saved over VND200 millions monthly on API services. Additionally, we successfully deployed three ML models into our platform into detect fraudulent customers and evaluate potential customer using scoring during product onboarding.
• Product Innovation Department Leader: as the leader of the Product Innovation department, I deployed white label projects. The MPL product was launched to the fin-market in Sep 22’ (currently rename to MTrade) which is now the 2nd highest revenue contributor to the company.

Co-Founder at UNIACE (2019-07 – 2023-09)

• Co-found UNIACE () – an e-learning website for knowledge sharing around technique tools and analytics.

Freelancer at Freelancer (2019-07 – 2023-09)

• Build up automation systems, develop relevant files for monitoring, data pipeline and Data Warehouse for clients
• Do as a consultant for implementation Data warehouse, BI team structure and suggestion for business based on their database for clients.

Data Analyst Team Leader at FECREDIT (2016-09 – 2019-06)

• Build Third Party Development team, deploy projects and reports for Sales Center
• Analyze, predict sales trend, and propose the solution to keep tracking market
• Work with partners to build policy for sales, data structure, and procedure of projects
• Perform ad-hoc analysis to find out solution for Directors: Keep tracking and point out problem of market.
• The reports are automated after 3-months deployment by cutting-edge tools. Moreover, databases are cleaned and structured. Besides, nearly 50 contests are delivered within 2 years and increased by 32% sales for channel.
• Best performance of the year

Research Analyst at NIBC Group (2015-06 – 2016-08)

• Collect data and produce quarterly updates for Apartment market in HCM city.
• Maintain, update, reorganize and expand on real estate market includes apartment, hotel, office, serviced apartment and retail market.
• Build up feasibility study for each project and apartment database

Research Executive at QV Research & Consulting (2014-05 – 2015-05)

• Develop project proposal as client request, analyzing research and writing reports

Customer Loyalty – A Strategic Approach – Northwestern University’s Kellogg School of Management (2019 – 2022)

Business Analytics – Decision Making by Using Data – University of Cambridge (2019 – 2022)

An intensive AI training of the A-Star Bootcamp – sponsored by DigiPay – VietAI & NTI (2019 – 2022)

Neuron Network and Deep Learning – Coursera

– University Of Economics HCM City (2010 – 2014)