Tien Nguyen
Nguyen Manh Tien

// Full model documentation · Hanoi, Vietnam

Nguyen Manh Tien

Analytics professional in retail banking (unsecured lending, credit cards, acquisition), studying for an MSc in Data Science. I write about credit risk modelling, statistics and building ML systems that people actually use.

GitHubLinkedInEmailRSS

§1

Purpose

what I work on

I came to data from economics. Today I build models and analytics for retail lending at Techcombank: who applies, who gets approved, who is worth calling, who stays, and which levers move those numbers. I'm most interested in the step between a business question and a decision: writing the problem down precisely enough that a statistical model can answer it, then making sure the answer is actually used.

  • Credit risk modelling (PD / scorecards, validation, monitoring)
  • Decision science & optimisation
  • Stochastic processes and probabilistic modelling
  • Production ML systems
§2

Training history

experience
  1. Senior Business Intelligence Analyst · Techcombank
    Oct 2025 – present
    • Analytics and monitoring for acquisition, conversion, approval and portfolio performance across credit cards, overdrafts and personal loans.
    • Telesales connection model (LightGBM) with threshold optimisation and probability calibration (Platt scaling, isotonic regression) to focus outreach on reachable customers.
    • Approval-propensity model for non-pre-approved customers, feeding monthly telesales lead lists for personal loan and credit card cross-sell.
    • Digital lead-generation pipelines combining transactional, behavioural, demographic and campaign data; K-Means segmentation for campaign and portfolio strategy.
    • Churn, funnel and approval-rate analysis for low-score segments, aligned with risk objectives, working with product, marketing, risk and sales teams.
  2. Business Intelligence Analyst · Techcombank
    Jun 2024 – Oct 2025
    • Same scope; promoted after taking ownership of the propensity and telesales-prioritisation models.
  3. Business Intelligence Contractor · Techcombank
    Feb 2024 – May 2024
    • BI reports and dashboards for lending portfolio performance.
§3

Evaluation

awards
  • Star of June · Data & Analytics Division, TechcombankJun 2026
  • People's Choice Award · MFT Unsecured Lending, TechcombankDec 2025
§4

Data sources

education
  1. MSc in Data Science (part-time)
    VNU University of Science · in progress
  2. Bachelor of Economics, International Trade
    Foreign Trade University · Distinction · 2016 – 2020
§5

Feature set

skills
Machine learning
  • LightGBM
  • XGBoost
  • Random Forest
  • Probability calibration
  • K-Means
  • PCA
Statistics
  • Hypothesis testing
  • A/B test design
  • Power analysis
  • SciPy
  • Pingouin
Data engineering
  • Python
  • SQL
  • PySpark
  • Databricks
  • Schema design
BI & visualisation
  • Power BI (DAX, semantic models)
  • Matplotlib
  • Seaborn
Domain
  • Unsecured lending
  • Credit cards
  • Acquisition funnels
  • Telesales prioritisation
§6

Multilingual support

languages
  • English8.0IELTS Academic
  • Chinese5HSK
  • VietnameseNative
§7

Benchmarks passed

certifications
  • Data Scientist Professional · DataCamp2025
  • Data Analyst Professional · DataCamp2023
  • Google Advanced Data Analytics · Google2023
  • IBM Data Analyst · IBM2023
  • Statistics with Python · University of Michigan2023
  • CS50's Introduction to Programming with Python & SQL · Harvard2023
  • SQL (Advanced) · HackerRank2023