Business Analyst (Cash Loan)

Vay Nhanh is MoMo's unsecured cash loan product, serving millions of users across Vietnam through the country's leading super app.

We are looking for a Business Analyst who asks "Why?" and "So what should we do?" Your work goes beyond reporting numbers. You will dig into the loan portfolio, uncover insights, weigh the trade-offs between Growth, Risk and Profitability, and turn your findings into concrete product recommendations.

We hire for thinking, not for CVs. Lending knowledge can be taught; structured thinking and curiosity are much harder to train. You will receive hands-on coaching in credit risk, unit economics and product strategy, working directly with Product, Risk, Finance, Growth and lender partner teams.

Mô tả công việc

• Deep-dive analysis: Investigate trends and shifts in the loan portfolio, identify root causes, and translate findings into actionable recommendations.
• Segment economics: Assess the profitability and risk of customer segments and recommend tailored strategies for each.
• Competitive benchmarking: Analyze Vay Nhanh's customers and offers against competitors and partners to identify gaps and opportunities.
• New offerings: Develop data-driven proposals for new products, pricing and offers, estimate their business impact, and support testing.
• KPI monitoring: Build and maintain dashboards for core product metrics and proactively flag anomalies.
• Collaboration: Work closely with Risk, Finance, Growth and partner teams to align on insights and drive implementation.

Yêu cầu công việc

Must-have

• Experience: 1–2 years in business analysis, data analysis, consulting, strategy, or a management trainee program. Outstanding fresh graduates will also be considered.
• Education: Degree in Economics, Finance, Mathematics, Statistics, Engineering or a related field.
• Critical thinking: You break complex problems into structured parts, form and test hypotheses, and don't settle for surface-level answers.
• Data skills: Solid SQL and strong Excel/Google Sheets skills.
• Business sense: You are curious about how products make money and always ask what a number means for the business.
• Growth mindset: You learn fast, take initiative, welcome feedback, and visibly improve with each iteration.
• Communication: You write and present clearly, leading with the conclusion and then the evidence.

Nice-to-have

• Python or R for data analysis.
• Basic understanding of consumer lending, credit risk or fintech.
• End-to-end analytics projects, including personal projects or case competitions.
• Good English reading and writing skills.