| BIOGRAPHY

Mr. Hai is General Director and Head of Engineering at EmbedIT Vietnam, the company’s technology hub in Ho Chi Minh City. EmbedIT designs, builds and operates financial platforms. As part of the PPF Group, it built the technology behind Home Credit Group, which serves more than 150 million customers across several markets.
Mr. Hai started his career in enterprise technology and worked at Capgemini on large systems for international clients before joining EmbedIT.
In Vietnam, he leads the engineering teams that develop and run EmbedIT’s lending platforms. He has grown the hub as an in-house engineering center rather than an outsourcing operation, with a focus on building long-term technical capability locally. His work today centers on helping banks and finance companies put data and AI to practical use in credit decisions, within the rules they have to follow

| TOPIC

Smart. Agile. Tech-Enabled: The Era of BFSI Risk Management

| ABSTRACT

Everyone in the industry is talking about AI. But McKinsey research shows only 5% of companies are capturing its real benefit. Instead of adding to the noise about AI’s potential, this session focuses on one practical question: how do you execute it safely, efficiently, and at speed?

That question matters more than ever in Vietnam right now. The consumer finance market is rebounding, with new regulations — including the State Bank of Vietnam’s emerging AI governance requirements — putting risk management and efficiency back at the center of the agenda, even as external pressures test household income and borrowers’ ability to repay. Risk management has shifted from a compliance function into a strategy-driven, business-critical one, with credit risk a top concern for every institution.

Against this backdrop, lenders face a genuine balancing act: approving more, improving customer experience, protecting profitability, and staying compliant — all at once. The real challenge isn’t choosing between growth and risk; it’s achieving both. This session shows what that looks like in practice, drawing on how market leaders are embedding new digital capabilities — from data, through modeling, to governance — directly into how they manage risk.