Business Analyst (PayLater)

MoMo PayLater is one of Vietnam’s leading digital credit products, enabling millions of users to access a flexible credit line directly within the MoMo ecosystem for everyday payments.

Behind a simple user experience is a complex credit business. Our team works across the full product lifecycle — from acquisition and underwriting to credit limit management, spending, repayment, retention and collections — while continuously balancing Growth, Risk, Profitability and Customer Experience.

We are building a team of people who are curious, structured and willing to challenge how things work today. You will not only execute features or analyze numbers. You will identify user and business problems, uncover insights from data, evaluate trade-offs, and turn them into concrete product and business decisions.

Lending experience is a plus, but not a prerequisite. We value strong problem-solving, ownership and learning agility. You will work closely with Product, Data, Risk, Growth, Operations and our banking partners, gaining hands-on exposure to how a large-scale digital credit business is built and managed end to end.

Mô tả công việc

Customer & Growth Insights

• Analyze user behavior across acquisition, activation, usage, retention, churn, and reactivation to uncover growth opportunities and actionable insights.

• Develop customer segmentation based on lifecycle stage, spending behavior, price sensitivity, and promotional responsiveness to identify who to target, when, and with what offer.

• Translate complex data into clear recommendations that help Product and Growth teams decide what to do next.

Experimentation & Growth Economics

• Design and analyze A/B tests and growth experiments to measure the incremental impact of campaigns, promotions, and product initiatives.

• Evaluate performance beyond short-term campaign KPIs by measuring incremental MAU, spending, frequency, retention, revenue, and promotion efficiency.

• Identify opportunities to improve targeting and incentive strategies through approaches such as promo responsiveness, churn/reactivation, and price-sensitivity scoring.

Analytics & Decision Support

• Build analytical frameworks to monitor key customer and growth metrics, proactively identifying trends and anomalies.

• Partner with Product, Growth, Marketing, Data, Risk, and Finance teams to turn insights into actionable initiatives and measure their outcomes.

• Leverage AI and analytical tools to accelerate analysis, hypothesis generation, and insight discovery.

Yêu cầu công việc

Experience: 1–2 years in business analysis, data analysis, consulting, strategy, or a management trainee program. Outstanding fresh graduates will also be considered.

Conceptual/ technical

• Background in Data, AI, Computer Science, Information Systems, or related fields (1–2 years of experience), with exposure to working with data (e.g., SQL, Excel, Python, BI tools)

• Interest in applying AI tools / AI agents to solving growth and product problems, along with a basic understanding of machine learning concepts (e.g., how models work, use cases, limitations)

Cultural Fit

• Proactive, adaptable, and passionate about technology and fintech – key traits for fast growth;

• Ready to embrace MoMo’s mission and core values to drive real impact;

Leadership Potential

• Entrepreneurial mindset, innovative thinking, and the ability to adapt in a fast-changing environment;

• Strong motivation and long-term commitment to career development, with a clear ambition to grow into a future leadership role.