Open to opportunities

Thuy Pham

@thuypham

Message

Experienced banking operations manager specializing in trade finance, credit operations, and risk policy.

Vietnam

Message

What I'm looking for

I’m pursuing a foreign banking career focused on trade finance and credit operations, where I can lead compliant, end-to-end operational delivery, strengthen risk and policy governance, and coach teams to improve service standards and operational performance.

I bring 20+ years of professional experience in the banking industry, including 15 years of middle management, spanning trade finance, relationship management, banking policy, credit operations, and risk management. I’m currently a Manager – Transactional Banking Business Operation at KASIKORN BANK (HO CHI MINH), where I lead end-to-end trade finance and credit operations to ensure timely, accurate, and compliant service delivery.

Previously at VIETINBANK, I served as Deputy Head of Risk and Policy Department and Head of Credit Operation Department, developing and reviewing credit policies, risk limits, and strategies, while supporting Basel II (RWA) implementation to strengthen risk and capital management. I’m motivated by foreign banking growth—especially in trade finance and credit operation—and I enjoy partnering with front teams, coaching people, and improving operational controls to deliver measurable performance and customer impact.

Experience

Work history, roles, and key accomplishments

Current

Manager, Transactional Banking

Current

Kasikorn Bank

Nov 2023 - Present (2 years 5 months)

Led end-to-end trade finance and credit operations, ensuring timely, accurate, and compliant service delivery. Partnered with front teams to support trade clients and verified documentation against regulations, internal procedures, UCP, and Incoterms.

Trade Finance Credit Operations Regulatory Compliance Incoterms Loan Reporting (SBV)

Deputy Head, Risk & Policy

VietinBank

Apr 2021 - Oct 2023 (2 years 6 months)

Developed and reviewed credit policies, risk limits, and strategies aligned with governance standards. Supported Basel II (RWA) implementation and served as liaison to the Risk Management Committee and Board of Management.

Risk Limits Risk Management Capital Management Governance Loan Product Review Stakeholder Management

Head of Credit Operations

VietinBank

Jul 2014 - Mar 2021 (6 years 8 months)

Led and coached a team of 7 to deliver efficient, compliant credit operations. Managed daily credit transactions (including disbursement for domestic and trade finance) and reviewed loan and collateral documentation plus SBV reporting.

Credit Operations Team Leadership Collateral Document Checking Disbursal SBV Reporting

Deputy Head, Large Corporate

VietinBank

Aug 2010 - Jun 2014 (3 years 10 months)

Supervised 5 relationship managers and managed a portfolio of 20 large corporate clients, increasing annual credit balance by 20%. Reviewed credit proposals prior to BOD submission, monitored repayment progress, and performed regular client site visits for credit control.

Credit Proposal Review Portfolio Management Relationship Management Credit Control

Relationship Manager & Trade

VietinBank

Sep 2009 - Jul 2010 (10 months)

Handled trade finance and forex sales transactions and reviewed import LC, negotiable LC, and LC payment applications before submission to the trade finance center. Managed 15 SME clients, supported annual business targets, and prepared credit proposals based on client performance and internal procedures.

Trade Finance Import LC Processing LC Payment Negotiation Review Credit Proposal Analysis Relationship Management

Trade Finance Officer

VietinBank

Aug 2005 - Aug 2009 (4 years)

Processed daily trade finance transactions across import/export letter of credit, collections, outward remittances, negotiation, guarantees, and forex sales. Ensured document completeness and compliance with SBV regulations, internal procedures, UCP, and Incoterms, supporting a USD 20 million annual trade volume.

Remittances Document Compliance (UCP Incoterms)Accounting Entry Verification Regulatory Reporting