HOME CREDIT VIETNAM
Khang Pham Ngoc : The path to Home Credit Vietnam Khang ’ s lifelong career in finance and now in the financial services industry was not something that he had planned , but his skillset – particularly given his penchant for cooking – meant the job of CFO was perfect for him .
What ’ s more , joining Home Credit Vietnam represented “ the perfect storm ” for Khang . “ I was lucky in that I fit the culture Home Credit Vietnam was looking for ”, he says , having experience across both European and Vietnamese heritage , and being educated across the Europe / Asia continental divide .
In Europe before joining Home Credit Vietnam , the role of CFO at the consumer finance institution also allowed Khang to return home and look after his family .
“ I would say it was a mix of fate and coincidence that led me to the credit industry in my home country ,” muses Khang . “ I think having a very diverse and interesting finance career across multiple industries worked in my favour .
“ I ’ ve been fortunate to have a lot of financial experience in different shapes and forms , serving different industries , including the manufacturing industry . This has given me a diverse view of how to understand finance through different lenses ; numbers do not speak for themselves alone .
“ So when you speak about manufacturing or system integration , for example , these roles require an understanding of legal processes , contract negotiation processes and customer relationships .
“ Harnessing these experiences has given me the right skill set to come into the consumer finance institution space , and I ’ m very happy to be part of Home Credit Vietnam today .”
“ IT ’ S ESSENTIAL TO BE ABLE TO CONNECT THE DOTS BETWEEN SHORT- TERM OBJECTIVES AND LONGER-TERM PRIORITIES AND STILL BE ABLE TO BALANCE BOTH OF THEM ”
KHANG PHAM NGOC CHIEF FINANCIAL OFFICER , HOME CREDIT VIETNAM
Growing alongside Home Credit Vietnam As previously mentioned , Khang has been at Home Credit Vietnam for over five years , and he takes pride in what the organisation has been able to achieve in that time .
“ Home Credit Vietnam has been on quite the digital transformation journey in my time here ,” says Khang . “ The finance function has been turning from being more on the support side to a support and challenge side , a positive , forward-thinking shift for us .”
“ We ’ ve become more involved in delivering effective partnerships , and being an effective partner ourselves , to the point where we are the organisation our partners turn to when there is an issue , or a problem needs resolving .
“ The quality of the interface we ’ ve developed and our greater communication lines has made our journey all the more interesting .”
It ’ s not just innovation itself that has stood out for Khang in measuring Home Credit Vietnam ’ s success . It has also fuelled positive numbers for the consumer finance institution .
96 March 2024