Credit Decision Science
Turn risk signals into lending decisions.
Application score, behavioral score, PD bands, cutoff, limits, pricing, and portfolio monitoring built around real risk-return trade-offs.
Tran Quoc Viet / Charlie · HCMC
I build AI/ML systems for fintech decisions.
Data Scientist focused on credit decisioning, GenAI agents, and ML platforms: turning messy banking data into scoring, automation, monitoring, and production decision systems.
- Focus
- Fintech AI/ML
- Depth
- Credit decisioning
- Systems
- Agents · Platform · Scoring
- Base
- HCMC, Vietnam
Expertise
Data science for fintech systems.
GenAI & Agentic Systems
Automate fintech workflows with governed AI.
Hybrid RAG, multi-agent routing, customer support automation, analytics agents, evaluation, tracing, and human validation loops.
Data & ML Platform
Make models repeatable in production.
Airflow, dbt, BigQuery, streaming, feature store patterns, production scoring, and AutoML workflows that teams can operate.
What I optimize
Where messy banking data becomes reliable AI products.
01
Credit scoring workflows from label preparation to OOT validation, calibration, and production scoring
02
Decision simulations across approval, cutoff, limit, pricing, expected loss, and portfolio guardrails
03
GenAI agents for customer support, case triage, analytics, retrieval, evaluation, and tracing
04
Data and ML platform foundations with Airflow, dbt, BigQuery, Kafka, Doris, and feature stores
Latest writing
Notes on credit risk, decisioning, and production AI.
Collection Score: Thiết Kế Label, Treatment Và Recovery Strategy
Collection score không chỉ tìm người dễ trả. Nó là bài toán phân bổ capacity: gọi ai, dùng treatment nào, kỳ vọng thu được bao nhiêu và chi phí có đáng không.
Limit Assignment Và Risk-Based Pricing: Khi PD Đi Vào Quyết Định Tiền Thật
Hai khách hàng cùng PD có thể tạo expected loss rất khác nhau. Khi model score đi vào hạn mức và pricing, DS phải nối probability với exposure, utilization, margin và adverse selection.
Cutoff Simulation: Approval Tăng Thì Risk Và Profit Đổi Thế Nào
Cutoff là một business decision được ngụy trang dưới dạng model threshold. Bài này đọc approval, marginal group, expected loss, profit và rollout guardrail như một bài toán decisioning, không chỉ là chọn ngưỡng.