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.
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