Hải Đăng Phạm

At An Binh Commercial Joint Stock Bank – ABBANK – Head Office, I co-developed a driver-based profitability module for debit and credit card products, bringing product revenues and costs together to assess P&L and break-even timing.

I built a seasonality-adjusted revenue forecasting model for point-of-sale products and analyzed P&L performance across business lines. I also automated the aggregation and reconciliation of management P&L data from multiple reporting sources.

Earlier, I consolidated and benchmarked financial data from commercial banks, developed Power BI reports, and supported preliminary investment project screening at Springer Capital. At National Economics University, I researched CSR disclosure among Vietnamese listed companies; the paper was published in the ICYREB 2025 proceedings and received Third Prize in the university-level student research competition.