1. Institutional Market Development & Ecosystem Building

High-Level Partnership Management: Successfully built and maintained strategic institutional relationships with key government bodies (Ministry of Planning and Investment – MPI- Agency for Enterprise Development) and top-tier local/foreign financial institutions (including Agribank, Vietcombank, Vietinbank, BIDV, VPBank, Techcombank, TPBank, World Bank, and DFC). Negotiated and signed Memorandums of Understanding (MoUs) with 8 major financial institutions to drive financial inclusion.
Institutional Representation: Represented international development projects (USAID LinkSME, USAID IPSC) in high-level stakeholder engagements, financial linkage events, and policy-advocacy forums to enhance credit access and promote sustainable financial frameworks in Vietnam.
Market Intelligence & Strategy: Conducted deep industry research into international practices, global supply chains, and sector-specific dynamics (Automobile, Electronics, Garment, Agribusiness) to advise financial institutions on market expansion and strategic positioning.

2. Deal Pipeline Generation & Sustainable Product Structuring

Innovative Product Development: Partnered with commercial banks (including Agribank, Seabank, VPBank) to design innovative credit products, supply-chain financing models, and digital credit evaluation frameworks.
Climate Finance & Low-Emission Structuring: Provided technical assistance to Agribank to operationalize supply-chain lending for the Government’s 1-million-hectare low-emission rice program in the Mekong Delta, directly aligning financial instruments with green taxonomy and climate-smart standards. Developed financial literacy and climate-smart finance initiatives tailored for farmers and SMEs in targeted value chains for the Luxembourg Development Agency (VIE/039 project).
Gender-Responsive Finance: Collaborated with Women’s World Banking to design data-driven overdraft credit scoring and internal rating models specifically tailored for female entrepreneurs and household businesses, driving gender-lens investing at scale.

3. Portfolio Management & Credit Risk Appraisal

Risk Assessment & Credit Appraisal: Over 10 years of core banking experience as Corporate Credit Appraisal Manager and Branch Director, personally appraising and approving loan applications for over 1,000 SMEs, managing healthy credit risk portfolios, and mitigating non-performing loans (NPLs).
On-the-ground Monitoring & Compliance: Served as Bank’s Branch Director, overseeing entire business activities, cost-benefit plans, and covenant compliance. Adept at monitoring borrower performance, identifying early-warning signals, and designing debt-restructuring solutions for corporate clients.

4. Financial Advisory & Capacity Building

Advisory to Financial Institutions: Delivered intensive technical training and coaching for credit officers across commercial banks on SME risk assessment, industry-specific credit demand, and advanced credit appraisal methodologies.
SME & Farmer Empowerment: Developed financial literacy training initiatives, e-handbooks, and digital toolkits (uploaded on the official MPI portal) to help hundreds of SMEs and smallholder farmers (with a special focus on women) improve financial transparency, manage cash flow, and become bank-ready.

5. Policy Engagement & Thought Leadership

National Policy Contribution: supported the Agency for Enterprises Develpoment - Ministry of Planning and Investment (MPI) in designing the National Action Plan (2021–2025) to enhance SMEs access to finance.
Thought Leadership & Toolkits: Main advisor of official national financial guidelines, including the "E-handbook on Accounting and Tax Declaration for SMEs" and self-assessment credit toolkits published on the government portal (www.a2f.business.gov.vn).

Nov 2025 – Present: Short-term Expert | Women’s World Banking
Nov 2025 – Jan 2026: Short-term Expert on Climate Finance | Luxembourg Development Agency (Project VIE/039)
2023 – Feb 2025: Technical Advisor/Manager on Access to Finance | Deloitte Consulting - USAID IPSC
2021 – 2023: Technical Advisor/Manager on Access to Finance | IESC - USAID LinkSME
2017 – 2020: Coaching Expert & Stimulation Sales Push Expert | Techcombank
2011 – 2017: Branch Director | TPBank
2007 – 2011: Corporate Credit Appraisal Manager | Techcombank
2005 – 2007: Credit Risk Analyst | Techcombank
2005 – 2006: Economic Analysis Assistant Officer | Mekong Economics Co., Ltd
2004 – 2005: Corporate Banking Officer | Mizuho Corporate Bank Ltd (Hanoi Branch)