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The Associate - Credit Risk Analyst is an entry-level role supporting day-to-day credit risk management activities for MoMo’s PayLater products.The role focuses on data analysis, risk monitoring, underwriting and collections operations support under the guidance of the Team Leader.This position is suitable for candidates who are analytical, detail-oriented, and eager to learn about digital lending, credit risk, and data-driven decision-making.Mô tả công việcThe responsibilities below represent a range of tasks within the Credit Risk team. Actual assignments will depend on business priorities and the candidate’s skill level.A. Risk Monitoring ReportingPerform daily and weekly monitoring of key portfolio metrics: disbursement, usage, repayment, delinquency, revenue, and credit losses.Track the performance of risk rules, limit policies, and underwriting cutoffs.Prepare standardized reports and dashboards for internal teams and partner banks.B. Data Analysis InvestigationConduct targeted analyses on user behavior, risk segments, and repayment patterns.Support investigations into abnormal or suspicious activities involving transactions, users, or merchants.Use SQL to extract, clean, and validate data for analysis and reporting.C. Underwriting Operations SupportSupport the execution of offer policies, limit matrices, and other risk rules.Validate score outputs, eligibility flags, and risk settings before and after deployment.Assist in running A/B tests and documenting the impact of credit policy changes.D. Merchant Risk Management SupportMonitor merchant-level signals, including GMV trends and unusual transaction patterns.Prepare summaries and recommendations for merchant control actions.E. Collections Partner SupportSupport monthly performance monitoring for banking and collection partners.Track basic KPIs such as contactability, repayment, and recovery rates.Assist in preparing and validating data files or insights shared with partners.F. Documentation Process ExecutionPrepare concise internal notes, summaries, memos, and SOPs under guidance.Maintain documentation of policy updates, risk interventions, and experiment results.Follow established risk processes with accuracy and attention to detail.G. Cross-functional CollaborationCoordinate with Product, AI/Modeling, Merchant, Operations, and external partners on data requests, investigations, and operational tasks.Communicate clearly through Slack, email, and comments, and escalate issues promptly when needed.Yêu cầu công việcA. QualificationsBachelor’s degree in Finance, Economics, Business, Engineering, Data, or a related field.B. Technical SkillsBasic to intermediate SQL for data extraction and validation.Proficiency in Excel/Google Sheets; familiarity with Python is a plus.Basic understanding of credit or financial risk concepts is an advantage.Curiosity and willingness to learn new tools and internal systems.C. Soft SkillsStrong analytical thinking and attention to detail.Clear written communication and good documentation habits.High sense of ownership and discipline in following processes.Ability to work in a fast-paced environment with changing priorities.D. Mindset Growth PotentialEager to learn about credit risk, lending operations, and data-driven analysis.Open to feedback, asks questions proactively, and continuously improves workflow.Interest in developing a long-term career in credit risk, analytics, fintech, or data science.

Salary:Negotiation Location:7-Eleven Head Office Application deadline:20/11 — 20/12/2025Headquarter Address: 7th Floor, Cobi Tower 2, No. 2-4, Street 8, Tan My Ward, Ho Chi Minh CityAs a Data Engineer Intern, you will work closely with our data engineering team to support and contribute to various data-related projects. Your responsibilities will include: Data Pipeline Development: Collaborate with the data engineering team to build, maintain, and optimize data pipelines for processing and transferring data from various sources to storage and analytical systemsData Integration: Assist in integrating data from different sources (e.g., databases, APIs, flat files) into our data ecosystem, ensuring data accuracy, quality, and consistencyDatabase Management: Work on creating and maintaining databases, ensuring data storage and retrieval efficiency, and implementing data security measuresData Transformation: Help transform and clean data to make it suitable for analysis, reporting. This may involve using ETL (Extract, Transform, Load) processes Research and Learning: Stay up-to-date with the latest data engineering technologies and best practices and actively participate in ongoing learning and skill development. More details will be discussed at the interview.We are cool Developing the Retail Management System helps 7-Eleven Vietnam to save cost and earn money such as Ecommerce Website, Loyalty Application, Supply Chain System, Warehouse Management System, Payment Gateway, POS, HHT,...Building a loyalty application with React NativeBuilding an ecommerce websiteModern tech stack (Google Cloud Platform, Docker, Kubernetes, Rancher) and tools (Google Chat, Jira) Catching up with new technologies through the process: experiment, trial, adopt In partnership with Grab, ZaloPay, Momo, VnPay, Airpay, ShopeeFood, GrabMart, GotIt, TAPTAP, Vani, Google for tech digital integrationsAgile at heart, everything is flexible and possibleFlat team, nice colleagues, no bossStrong engineering culture, read more of our stories on 7-Eleven Viet Nam Engineering Blog And some benefits Internship allowanceThe flexible working environment in terms of time, officeChances for training and development (learning out-door, training course, soft skills)

1. Employer Branding (EB) – 35% Support the design and execution of communication plans for recruitment campaigns on social media platforms (Facebook, LinkedIn, TikTok, etc.).Assist in creating content (articles, visuals, short videos) to increase awareness and engagement of L’Oréal as an employer of choice.Contribute to organizing employer branding events and recruitment marketing activities. 2. Campus Recruitment Activation – 35% Support and take the lead in on-campus activities, such as career fairs and campus talks.Initiate and manage student engagement activities (e.g., activation games, interactive activities) to attract and connect with young talent.Coordinate agenda planning, content creation, and logistics with universities, the TA team, event agencies, and speakers.Act as the main liaison for all stakeholders before, during, and after campus events.Ensure strong ROI by driving student conversion into programs such as L’Oréal Brandstorm, internship programs, and entry-level opportunities. 3. Data Insights – 20% Collect and consolidate data from EB, recruitment, and campus projects.Build dashboards and prepare reports to track campaign effectiveness and generate insights for improvement. 4. Recruitment Operations – 10% Support screening CVs and provide shortlists for intern positions.Support coordinating interviews by contacting candidates and scheduling with hiring managers.Ensure a positive and professional candidate experience throughout the processWhat You Will Gain First-hand exposure to Talent Acquisition, Employer Branding, and Campus Recruitment in a leading multinational company.Opportunity to lead and coordinate high-impact student engagement initiatives and career events.Hands-on experience in recruitment operations, data analysis, and dashboard creation.A dynamic and fast-paced work environment to grow both professional and personal skills.

In this role, you will focus on the back-end developing skill.You will partner with cross-functional teams to deliver high-quality, power, and performance-optimized software to enable the best user experience on the company products.Mô tả công việcDesign, build and test significant features in microservice-based architecture;Build new features and improve existing products.Work on problems of moderate scope.Push code, drive the development of the systems behind our products, and create web applications that reach billions of people, build high volume servers, and be a part of a team to connect people around the globe.Develop a strong understanding of relevant product areas, codebase, and/or systems.Demonstrate proficiency in data analysis, programming and software engineering.Produce high quality code with good test coverage, using modern abstractions and frameworks.Receive general instructions on routine work and detailed instructions on new projects or assignments, work independently, use available resources to get unblocked, and complete tasks on-schedule by exercising strong judgment and problem solving skills.Master internal development standards from developing to releasing code in order to take on tasks and projects with increasing levels of complexity.Actively seek and give feedback in alignment with company Performance Philosophy.Yêu cầu công việcMust have:4+ year experience in Backend programming;Strong in Java language, object-oriented programming;Proficient in SQL: Oracle or any other equivalent databases;Experience in using message systems: RabbitMQ, Kafka or any other equivalent;Passionate for technology, always eager to learn;Nice to have:Experience in using NoSQL such as Redis, Cassandra;Experience in microservices, proficient in using Docker, K8S, canary;Ability to optimize, builds systems with large traffic;

MoMo is a leading fintech company on a mission to empower millions of users and merchants through innovative growth solutions. Within this mission, thePromotion Loyalty teamdrives adoption, engagement, and retention by leveraging data-driven insights, product-led growth, and creative campaigns across key touchpoints (Rewards,Promotion Hub, My Voucher, Decentralized widgets, etc).We are looking for aGrowth Specialistwith strong skills in data analysis, marketing, and business growth execution. This role will play a critical part in designing, testing, and scaling initiatives that deliver measurable impact for both users and merchants.Mô tả công việcGrowth Initiatives:Lead the execution ofgrowth initiativesacross Promotion Rewards platforms, from analysis to implementation.Build detailed tactical plans for assigned growth projects, encompassing various levers such as marketing, promotions, product features, and campaigns.Promotion:Utilize data analytics to optimize promotional programs based on customer behaviors, achieving cost reduction while increasing user growth and retention.Market Research:Conduct market research and competitive analysis to identify growth opportunities, market trends, and customer needs.Product Collaboration:Work closely with the product team to provide user insights essential for product development and growth.Budget Management:Manage annual budget allocation between promotional costs and media mix to align with business objectives across in-app and external channels.Monitoring Reporting:Continuously monitor and analyze key performance indicators (KPIs) related to growth initiatives.Provide regular reports and insights to senior management.Stakeholder Management:Collaborate with other business units and departments to understand and jointly drive the achievement of their business targets.Experiments:Implement and evaluate A/B tests and experiments to optimize conversion rates and improve the user experience throughout the customer journey.Yêu cầu công việcBachelor’s degree in Marketing, Data, Business, or Finance;Minimum of 2 years of experience in relevant fields such as Growth, Digital Marketing, andBusiness Analytics;Familiarity with the Fintech/Ecommerce;Proven expertise indata analytics(SQL/Excel/BI tools), with strong ability to turn insights into strategies.Hands-on experience withplatforms, A/B testing, campaign optimization, and growth experiments.Strong logicalbusiness growth mindsetable to connect data, marketing, and product levers to deliver impact.Excellent communication and stakeholder management skills; able to work cross-functionally with senior partners.Highlyresults-driven, detail-oriented, and execution-focused, with the agility to thrive in fast-paced environments.Ahustler’s spirit -creative, resilient, and relentless in pursuing growth opportunities.

As fraud schemes grow increasingly sophisticated, protecting users and their assets has become one of MoMo’s top priorities.The Product Analyst plays a frontline role in this mission: transforming data into protection, ensuring millions of users stay safe and confident when using MoMo.Why You’ll Love This JobJoin the core team of the User Trust Program, working alongside product, data, and AI experts to fight fraud through intelligent detection and prevention systems.Design the user experience in the most critical moments, when a user’s money or account security is at risk, to ensure they’re protected yet can recover their transactions smoothly.Every insight, every rule you propose can prevent millions of users from being scammed. This isn’t just a product role, it’s a social mission.Our VisionTo build MoMo as the most secure and trusted fintech platform in Vietnam, where every user can transact with confidence and trust our protection completely.Mô tả công việc1. Security Fraud AnalysisMonitor fraud cases and transactions to identify new or evolving fraud patterns.Conduct root-cause analysis and translate findings into prevention rules or AI model features;Partner with Risk Analyst and Data Scientist to validate rule effectiveness (precision, recall, false positive rate);Continuously evaluate and refine rules to balance fraud loss reduction and user friction;2. User Experience OwnershipOwn end-to-end user flow for fraud response (blocking, warning, education, recovery).Collaborate with UI/UX designers to create clear and empathetic in-app experiences that guide users during a fraud detection;Work with engineers to implement and test blocking/treatment logic;Define and track metrics to improve the user experience in fraud response flows, ensuring blocked users can recover transactions seamlessly (e.g., CS tickets for unlocks, recovery SLA, false-positive resolution rate);Collaborate with the internal task force team and other Business Units across MoMo to design, implement, and optimize rules and treatments that prevent fraud and protect users;3. Measurement ReportingTrack and report team KPIs such as Fraud User Rate, Fraud Loss Rate and Fraud Loss;Monitor fraud trends, treatment outcomes, and financial impact;Present actionable insights in weekly team meetings to inform prioritization and next-step decision;Yêu cầu công việcStrong analytical thinking and SQL proficiency (data analysis validation);Understanding of risk security in fintech context;Experience with A/B testing or rule-based experimentation;Ability to translate complex fraud signals into user-friendly UX flows;Collaboration mindset and ability to influence cross-functional partners;(Preferred) Background in product analytics, risk/fraud ops, or fintech product management.

Mô tả công việcDevelop and manage policies related to MoMo e-wallet and payment gateway services, ensuring compliance with current regulations;Collaborate with relevant departments to establish regulations for the e-wallet, such as transaction limits, wallet policies, and product/service rules, ensuring alignment with the State Bank of Vietnam's and international organizations' requirements;Assess risks associated with existing and upcoming product/service workflows, proposing control measures to mitigate these risks;Analyze data and user behavior to identify and assess unusual trends, recommending solutions to minimize the risk of customer fund losses while maintaining a seamless user experience;Propose and develop appropriate policies based on customer needs and feedback from relevant units;Perform other related tasks as assigned by the unit or department head;Continuously develop, manage, and improve policies and regulations to reduce fraud and risks in e-wallet transactions, international card transactions, banking funds, promotional programs, etc;Create fraud and risk prevention policies for the MoMo e-wallet in compliance with guidelines from payment organizations (e.g., banks, Cybersource, international card networks);Collaborate with other departments to design and monitor risk and fraud management tools for the MoMo system;Coordinate with relevant teams to address incidents related to risks and fraud;Periodically review fraud and risk-related policies to ensure their validity and relevance;Carry out tasks assigned by direct managers, team leaders, or unit/department heads;Guide less experienced team members in completing assigned tasks;Yêu cầu công việcAt least 1 year of experience in risk management, data analytics;A university degree, preferably in Business Administration, Financial Management, Accounting and Auditing, Banking and Finance, Information Systems, or related fields;A passion for and knowledge of new technologies, particularly mobile-based technologies A broad understanding of industries such as E-commerce, Payments, Mobile Commerce, and Mobile Banking;Knowledge of applying technology to risk management, such as leveraging Artificial Intelligence to build risk-scoring models;Basic knowledge of payment products like e-wallets, credit cards, and payment accounts; Proficiency in Microsoft Office tools (Word, PowerPoint, Excel); SQL proficiency;Certifications such as CIA, CFE, CISA, CRISC, or CISSP are an advantage;Strong skills in data analysis and interpretation.

As a Product Owner (Middle Level), you’ll own and develop a set of features within MoMo’s Gamification Donation Platform, where millions of users “play to give”.This role requires logical thinking, creativity, learning agility, and strong communication, while aligning your work with the 2026 OKRs of the entire platform, including:Expanding Donate by Purchase (CSR for Business) solutions.Supporting BU Services through cross-service bundling gamification.Driving user growth and retention (MEU/MAU, donation conversion, overlap rate).Mô tả công việcProduct DevelopmentCollaborate with Senior PO or Leader to deliver feature groups under the roadmap.Propose new features and improvements aligned with user needs and strategic OKRs.Manage assigned backlog/tasks, write detailed user stories, and ensure delivery quality.Track feature performance (flow, reward, events) and suggest data-backed enhancements.Customer Empathy User-Centric ThinkingDeeply understand users across segments: gamers, donors, and business partners.Identify pain points, motivations, and emotional triggers to design impactful experiences.Keep users at the center of every product decision, balancing user goals with business and tech feasibility.Represent the voice of the user in discussions, roadmap planning, and feature prioritization.Data Insight-Driven DecisionAnalyze user behavior using BI dashboards to discover engagement opportunities.Translate insights into product actions: optimize flows, rewards, or UI/UX.Support data-driven evaluations of key 2026 initiatives and campaigns.Strategic Alignment with OKR 2026Support the Donate by Purchase (CSR for Business) initiative — co-design scalable, operational product solutions with partners.Collaborate with BU teams (Payment, QR, Insurance, Money Transfer, etc.) to design cross-service gamified campaigns that:Increase overlap (multi-service users).Connect user journeys “Play – Use – Donate – Return.”Suggest features or flows that reinforce retention and donation conversion.Communication Stakeholder ManagementWork with Engineering, Design, Growth, Marketing, Partnership, and Data.Clearly communicate product logic, user insight, and results.Participate in sprint planning, reviews, and prioritization, providing user-centric viewpoints.Act as the bridge between business, technology, and user experience — with empathy and clarity.Innovation LearningResearch gamification, loyalty, CSR-tech, and fintech trends.Conduct A/B or pilot testing to validate ideas.Stay curious, open-minded, and ready to evolve into a Senior PO.Yêu cầu công việcBachelor’s degree in Economics, Business, Marketing, or IT.2–3 years as Product Owner, Business Analyst, or Product Executive. Exposure to fintech, e-commerce, or gamification is a plus. Strong in user journey design, feature delivery, data analysis, and cross-functional communication. Mindset: User-centric, empathetic, data-driven, logical, and creative. Familiar with Figma, Jira, Confluence, Miro, and BI dashboards. Excellent communication, stakeholder management, and teamwork abilities. Proficient in English; TOEIC 650+ / IELTS 6.0+ is an advantage.Deeply understand user needs and design meaningful experiences.Apply logical thinking and data insights to guide decisions.Stay curious, adaptable, and open to continuous learning.Work effectively in teams and articulate ideas clearly.Passionate about creating products that deliver real social impact.

Product Operation Manager will play a critical role in overseeing and enhancing the user experience of our platform, collaborating with multiple teams, and driving product innovation and operational excellence. The Product Operation Manager will act as the bridge between the product, operations, and business teams to ensure our platform continues to meet and exceed user expectations, while also driving growth and revenue for the company.Mô tả công việcOperation User Experience ManagementUser Experience (UX) Optimization: Monitor and analyze the user journey to identify opportunities for improvements in user interface (UI) design, product functionality, and overall user satisfaction.Product Quality: Work closely with the product and QA teams to ensure high product quality standards. Oversee the quality control process of new product features, releases, and platform updates.Customer Feedback: Collect and analyze feedback from users to identify pain points, and coordinate with the product team to prioritize enhancements and fixes.Product Collaboration StrategyCross-Functional Collaboration: Work closely with the product, development, and marketing teams to build and launch new products, features, and platform revamps that align with business objectives.Cooperate with product team and contribute advices to innovate and improve product features based on customer feedback and requirements, focus on customer centricOperational Procedures Go-Live ManagementDevelop and streamline procedures for successfully onboarding new merchants onto the platform, ensuring a smooth and efficient integration process.Collaborate with cross-functional teams (Legal, Accounting, Product, Dev, etc.) to ensure all necessary steps are taken for go-live, compliance, and risk mitigation.Coordinate with Customer Service, Customer Experience Engagement (CEE), and other relevant departments to improve key performance metrics such as CSAT, APDEX, and end-to-end (E2E) service quality.Design and maintain standard operating procedures (SOPs) for internal teams to follow when launching new products or services. Ensure processes are aligned with business goals and industry best practices. Innovate procedure to save time of operationManage the Business Operation (BO) team, including Legal and Operations functions, to ensure smooth, and compliant contract processes and efficiency operation.Business Growth User RetentionWork with key accounts ensure product satisfaction with merchant requirements and identify opportunities for product improvements or new feature adoption.Cooperate with the growth team, business analysts to identify opportunities for improving revenue, increasing Monthly Active Users (MAU)User Retention CSAT: Monitor customer satisfaction (CSAT) scores, retention metrics, and churn rates to identify areas for improvement. Work with the customer service and product teams to implement strategies to improve user retention and satisfaction.Yêu cầu công việcBachelor’s Degree in Business, Technology, or related fields. A Master’s degree is a plus.5+ years of experience in product operations, product management, or a similar role, preferably in fintech, e-commerce, or a related tech-driven industry.Strong understanding of user experience principles, product lifecycle management, and operational efficiency.Data-driven, accurate, systematic and methodical and good problem solver;Experienced in project management, user-centric focus with strong communication skillsExperience with data analysis tools to track user behavior and KPIs.Quickly adapt to change at a high-speed space;A proactive, self-starter who thrives in a fast-paced, dynamic environment.Experience in process management is a Plus;Leadership abilities, including the ability to influence and motivate others, makes an excellent team player and has good judgement.

With the Expense Management product, MoMo aims to help users effortlessly track their finances (income, expenses, and cash flow) while providing insightful reports and analytics. This enables users to better understand their spending habits, optimize their budgets without compromising their lifestyle, and make informed decisions about borrowing and investing.As a (Senior) Product Executive, you will be responsible for designing and developing a wide range of features — from expense tracking and financial reporting to leveraging Artificial Intelligence (AI) and Machine Learning (ML) for personalized financial advice and spending predictions — helping users make smarter financial decisions.Mô tả công việcTake ownership of developing a Expense management feature that offers users manage their money more effectively. (Chịu trách nhiệm phát triển tính năng quản lý chi tiêu giúp người dùng quản lý tiền của họ một cách hiệu quả).Conduct market research, customer interviews, and surveys to identify customer segmentation and journey, collect feedback to improve the product. (Thực hiện nghiên cứu thị trường, phỏng vấn khách hàng và khảo sát để xác định phân khúc và hành trình khách hàng, thu nhập phản hồi để cải tiến sản phẩm)Formulate a product vision and roadmap by prioritizing solutions that align with customer needs and business objectives.(Sắp xếp độ ưu tiên các giải pháp, tính năng để phù hợp với nhu cầu khách hàng và mục tiêu kinh doanh để xây dựng tầm nhìn cũng như lộ trình sản phẩm).Work closely with the business and UI design teams to create wireframes, UI designs, user flows, and define system requirements to ensure that the product is aligned with the overall business goals and meets the needs of our customers. (Làm việc với nhóm kinh doanh và thiết kế để tạo wireframe, thiết kế UI, luồng người dùng và đặc tả nghiệp vụ hệ thống để đảm bảo sản phẩm phù hợp với mục tiêu kinh doanh và đáp ứng nhu cầu của khách hàng).Collaborate with the tech team during sprint planning to clarify requirements, test the product, and successfully launch new features together. (Hợp tác với nhóm phát triển phần mềm, lên kế hoạch theo từng sprint, làm rõ yêu cầu nghiệp vụ, nghiệm thu và xây dựng tính năng đúng thời hạn).Define product metrics and work with the data analysis team to create visualizations of the product health dashboard and reports.(Xác định các chỉ số đo lường sản phẩm và làm việc với nhóm phân tích dữ liệu để tạo ra các bảng dữ liệu và báo cáo sức khỏe sản phẩm.)Yêu cầu công việcMinimum Qualifications (education)Bachelor's degree in business, engineering, or related fieldTechnical education background is a plusExperience:1+ years of experience as a product owner, 3+ years experience as a Senior product owner, preferably in the financial services industry.Strong understanding of the personal financial management market and user needs.Experience with agile development methodologies.Excellent communication and collaboration skills.Ability to think strategically and to make sound product decisions.Passion for building products that help people manage their money more effectively.Bonus QualificationsExperience with personal financial management applications.Experience with machine learning and artificial intelligence.Personal characteristics:Continuous learner and open-mindedResults-orientedStrong work ethicPositive attitude