Lê Đăng Khoa

Experience

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  ACS Trading Vietnam

  Nov 2011 - Jul 2014

  Credit Assessment Officer

  Main responsibilities:- Conduct verification and underwriting of installment service applications, including data checking and approval of applications from junior staff, as well as providing training to new personnel.- Accurately input customer data into the system and ensure proper uploading.- Conduct on-site visits to assess partner operations, identify solutions for customer demands, and make recommendations when submitting applications to the company.- Manage the allocation and supervision of field credit assessment staff.- Serve as a point of contact and provide guidance to partners via the Credit Assessment Department's hotline. Show less

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  VPBank

  Jul 2014 - Oct 2019

  Main resposibilities:- Supervise the recruitment and training/coaching of Assessment Specialists across 22 Branches.- Manage a team of 10 Assessment Specialists.- Exercise control and approval over assessment reports submitted by Specialists for Secured and Unsecured loans in both Retail and SME segments.- Underwrite credit applications through the LOS system, maintaining system records.- Ensure the quality and processing time (TAT/SLA) of credit applications.- Efficiently allocate tasks to staff, fostering team cooperation based on individual skills and performance to maintain application quality.- Collaborate directly with staff on complex cases.- Provide training, coaching, and guidance to staff for skill improvement and departmental performance enhancement.- Develop documentation and policies related to Credit Assessment.- Report on team performance on a daily/monthly basis. Show less Main resposibilities:- Conduct comprehensive verification and assessment reports for Secured and Unsecured loans across Retail and SME segments.- Perform in-depth analysis of customers' legal and financial aspects, along with non-financial considerations, while also assessing associated risks.- Provide support for internal training initiatives, collaborate with partners, and ensure high-quality customer service.- Thoroughly review and evaluate the assessment reports for accuracy and completeness. Show less

  • Credit Assessment Team Head - CPC UW

    Apr 2018 - Oct 2019

  • Credit Assessment Senior Officer

    Jul 2014 - Apr 2018
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  TPBank

  Oct 2019 - Jun 2021

  Field Verification Team Head

  Main resposibilities:- Oversee operations across 12 provinces in the Mekong region, managing a team of 25 Field Verification (FV) officers responsible for credit application verification.- Efficiently allocate daily tasks to team members, ensuring compliance with established processes and closely monitoring staff Key Performance Indicators (KPIs) to optimize their performance and productivity.- Foster a high-performing team by developing the skills and competencies of individual team members.- Formulate and enforce policies and procedures aimed at promoting team and organizational growth.- Implement measures to proactively prevent credit fraud, promptly reporting any suspicious activities and suggesting risk mitigation strategies.- Generate regular reports for the FV Manager to provide updates on operations and performance.- Actively participate in projects related to system innovation, such as the development of a new mobility app - mField, contributing to the organization's technological advancements. Show less

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  Shinhan Finance

  Jun 2021 - now

  Deputy Branch Manager

  Main Responsibilities:- Oversee the underwriting and loan processes, ensuring they operate smoothly, professionally, and in strict compliance with Credit policies and the business code.- Maintain a commitment to delivering the highest quality of customer service, from initial customer engagement to managing delinquent accounts.- Monitor and prepare expense reports, tracking expenses within budget and comparing favorably against national-wide Credit benchmarks. Also, monitor the Credit cost efficiency ratio against planned benchmarks.- Manage potential risks arising from daily operations and implement necessary actions to prevent, detect, and escalate fraud incidents both internally and externally.- Analyze and report on Credit performance, providing accurate and timely updates to the Department Head, including insightful comments and recommendations.- Take responsibility for the development of the BA Portal project, including providing Business Requirements Documents (BRD), designing, creating, and conducting User Acceptance Testing (UAT) cases, and overseeing the promotion to production.- Execute additional ad-hoc tasks as required. Show less