Data Science and Pricing
Two data science specialists, including a senior expert, working on predictive decisioning and pricing optimization.
Product & Transformation Leader
Turning lending strategy into better decisions.
I'm Nguyễn Hải Đăng. I connect portfolio economics, data science and product transformation to improve lending decisions and execution. My experience spans research, banking technology and consumer finance.
Product Transformation LeadOpen to meaningful conversations
Career at a glance
10+Years across research, banking technology and consumer finance
3–5YStrategy horizons connected to product priorities and delivery
0→1New capabilities in research, finance, data and product transformation
UpliftMeaningful commercial improvement within approved risk appetite
Current leadership
Lending strategy, people and execution.
Product Transformation Lead - Lending Products & VAS · Home Credit Vietnam
I lead four senior experts and managers across the capabilities below, working with Product, Risk, Finance, Sales, CRM, Data and Technology to turn priorities into coordinated delivery.
Business Performance
An expert in business performance analytics, connecting observed results with portfolio and product decisions.
Product Transformation
A transformation manager supporting the translation of priorities into coordinated execution.
01 / Selected work
Work designed to change decisions.
How I connect decisions, economics and delivery. Each case explains my role, the work and the evidence behind it.
View all selected workCase 01Decision systems
Personalized pricing and offer transformation
The work
Led the business roadmap and rollout of FICO-based offer optimization, connecting customer response, portfolio economics and cross-functional delivery.
My role Business owner and transformation lead
Read case studyEvidence snapshot
- Outcome
- Meaningfulcommercial uplift
- Constraint
- Risk appetite unchanged
Case 02Capability building
Building Commercial Finance and Data Management
The work
Built the Commercial Finance and Data Management foundations at SHBFinance, linking centralized decision data with planning, LTV and contract-level P&L.
My role Unit Head — Commercial Finance & Data Management
Read case studyEvidence snapshot
- Decision foundation
- LTVand contract-level P&L
- Adoption
- Product and investment decisions at Board level
Case 03Product transformation
Lending portfolio transformation
The work
An end-to-end transformation lens connecting product architecture, portfolio economics, channels, customer lifecycle, VAS, data, and technology dependencies.
My role Transformation lead across lending products and VAS
Read case studyEvidence snapshot
- Horizon
- 3–5Ystrategy horizon
- Deliverable
- Priorities connected to owners and dependencies
02 / Ideas
Principles behind the work.
First-hand perspectives on product economics, decisioning, data, transformation governance, and building capabilities.
Browse all ideas01Product economics
Value lives beyond conversion.
A product decision should be evaluated over a customer lifetime—not only at the moment of acquisition.
Read the note 02Decisioning & optimizationDecisioning is a product.
What product leaders need to own when data science powers pricing and customer offers.
Read the note03 / Resources
Make the thinking useful.
Reusable frameworks, templates, and analytical patterns for turning complex work into clearer decisions.
Open the resource library01Canvas
Strategy-to-Roadmap Canvas
A compact structure for translating a multi-year ambition into strategic choices, capability dependencies, decision milestones, and measurable outcomes.
Open framework02Template
Executive Decision Memo
A decision memo you can copy and use, with prompts for evidence, alternatives, economics, ownership and a follow-up decision.
Open frameworkNow / October 2026
Leading lending transformation and a senior specialist team, while studying for an MBA at CFVG.
A living view of what I am working on, learning, building, and exploring beyond the formal career timeline.
See what I'm focused on now04 / Connect
Open to meaningful conversations.
I'm interested in thoughtful conversations about lending, product transformation, decision systems, data and AI, and the operating models that make change stick.