💬 Hello Y, it's a pleasure to have you here with us today. Can you introduce yourself and your journey with Home Credit?
Hello everyone, I'm Y Nguyen. I graduated from University of Social Sciences and Humanities, majoring in International Relations. Currently, I work as an Anti-Fraud Data Analyst at Home Credit.
Since I was in university, I had a strong inclination towards working with data, so after graduating, I chose to pursue a career centered around data to further develop myself.
My journey with Home Credit began through Home Racer Program 2022, a young talent incubation program. I found this program interesting because the job description and career path of a Data Analyst at Home Credit aligned with my personal development goals. Moreover, the program offered practical training and enhanced skills directly applicable to the job. As part of the Home Racer Program 2022, I also had the opportunity to engage in cross-functional projects under the guidance of leaders and senior managers, allowing me to quickly understand the collaboration among various positions and departments within Home Credit.
💬 Could you share more about the Anti-Fraud department at Home Credit and its responsibilities?
Anti-Fraud falls under the Risk division. Its primary objective is to minimize the negative impact of activities or behaviors classified as "fraudulent."Risks are present everywhere and can originate from various sources in fact. Therefore, it is very important for a financial company to identify, prevent, and mitigate damage from risk while enhancing the customer experience.
So, how do we prevent risks associated with fraud? Members of the Anti-Fraud team need to identify these risks as soon as possible and develop preventive measures. Data analysis plays a crucial role in this process. By analyzing data, the team can detect anomalies, assess the risk level, and devise optimal solutions based on the situation.
💬 Can you describe the differences you've noticed before and after your experience as an Anti-Fraud Data Analyst?
Reflecting on my journey as an Anti-Fraud Data Analyst, I gained deeper insights into the purpose behind every action in a customer's financial journey. I understood why processes were designed as they were and the benefits each feature brought to both customers and the business.
💬 As part of the Home Racer Program 2022, can you share what made you choose Anti-Fraud as your field?
Selecting a new "field" is the most important decision for me. Where I worked, the position, and the sector will be determined based on how they would aid or limit my growth, aligning with my expectations. I chose to become a Data Analyst, particularly in Anti-Fraud, because it was the right fit at the right time.
Working in Anti-Fraud, I comprehend the value this department brings to the company and especially to customers. As a customer, I understand the expectations for safety when using financial services. So, I appreciate the whole team’s efforts to ensure the safety of customers when using our services and products.
💬 How would you describe your experience with the Home Racer Program?
Reflecting on the Home Racer Program 2022, it brought me invaluable opportunities and experiences. Over the 6-month journey, what I appreciated most was the "functional training program." I participated in practical projects, learned from knowledgeable colleagues, and collaborated with various departments. This allowed me to see the value my work brings to the company and helped me realize the impact I have. This is a trajectory worth considering for young talents because Home Credit Vietnam places a strong emphasis on training and developing all our members.
💬 Any advice for those aspiring to build a career in Data Analysis?
In conclusion, to those aiming to become Data Analysts, remember that the specifics of data analysis may vary among companies, departments, and sectors, but the core skills remain constant. You can learn those skills from many sources yourself.
Apart from technical skills, consider your approach and problem-solving mindset. Open-mindedness is crucial as it enhances your ability to absorb new knowledge. Always be ready to learn, stay updated on market trends and new technologies, which will benefit both your job and personal growth.
For the Anti-Fraud Data Analyst role, gaining risk management knowledge will be beneficial as it aids in identifying risks and strategizing to minimize losses from fraudulent activities.
Thank you for the insightful conversation. Wish you all the success in your career journey!
