Inspiring Stories
& Career Tips
Home Credit DNA is a series of 8 LEADERSHIP QUALITIES that all members strive for to make the organization stronger and more distinctive.
News
Home Credit marks 5 consecutive years as "Best Companies to Work for in Asia"
Home Credit has just won the HR Asia “Best Companies to Work for in Asia” Award for the fifth consecutive year, demonstrating the humane, people-centric workplace that has been cultivated over time.
Human Resource Management in the age of AI: How Home Credit adapts and transforms
At Home Credit, AI is an enabler that provides employees better opportunities on their career path and access to more personalised human resources policies.
AGREEMENT, NOTICE, ACCEPTANCE FOR PERSONAL DATA PROCESSING
This agreement, notice, acceptance for Personal Data Processing (the “Agreement”) having the purpose of recording the Candidate/ Employee/ Referrer/ Related persons and others individuals (hereinafter referred to as “Data subject”) as well as considering as a notice by Home Credit (as defined below) regarding the processing of personal data of Data subject, is made between
Employee Checklist
To finish up final bits of paperwork for the onboarding process, please prepare and submit the following documents on your first day at Home Credit.
Tech & Data
IT Blog #12 | Building an H2 Table Engine to Cut Memory Usage by 10x
H2 (h2database.com) is a very popular database for Java back-end development due to its embedded and in-memory nature. To quickly test your API in a local development against a database without normal unnecessary database setup, all you need to do is just add H2 dependencies to your pom.xml together with some trivial database settings. You can even tell H2 to “simulate” some behaviors of serious databases like PostgreSQL, MySQL or even Oracle.
IT Blog #11 | What It's Like to Be a Platform Engineer at Home Credit Vietnam
You’ve probably heard of the role of a Platform Engineer, but have you ever wondered what the Platform Team at Home Credit Vietnam is doing? Let’s dive into the Platform Team to better understand our role and the internal products we are developing.
IT Blog #10 | Java 21 Virtual Threads: A New Chapter for Asynchronous Programming
Asynchronous programming becomes the ‘backbone’ of the system that needs to handle thousands of concurrent requests without wasting resources. It allows the application to continue performing other tasks instead of waiting for I/O operations (reading/writing files, network calls, database queries…).
IT Blog #7 | Execution Plan in MS SQL Server
Before getting into today’s main topic, let’s try to guess the answer to this quiz. Of the two SQL Queries below, which SQL Query runs faster?
IT Blog #2 | Key Takeaways from Developing a Large-Scale Mobile Application with Flutter Framework
Learn from our experience of developing a large mobile app using Flutter Framework. Overcome challenges in building complex applications that require extensive data, functionality, and customization while working across multiple platforms and teams in different countries. Gain insights and best practices for using Flutter at scale for your next project. Let’s meet our “romantic developer” from GMA Transactions team at Home Credit Vietnam to learn more about these insightful experiences.
IT Blog #1 | (Re)defining data products to scale-up analytics with domain-aligned data teams
At Home Credit Vietnam, we are dedicated to delivering digital, innovative, and data-driven services that empower people to live the life they want. As our customer base and data analysis requirements grow, we have continuously evolved our enterprise data architecture to meet these demands. Let’s meet our thought leader, Ludek Podolka, and Architecture & Data Platforms team to learn more about their stories.
IT Blog #9 | Built by the engagement culture - From Code to Culture
In the fast-moving world of tech, Home Credit IT team is different—highly skilled, deeply collaborative, and driven by both innovation and connection.
HR Digi & The Power of Collaboration: Enhancing Our Career Site Experience
At Home Credit, innovation is fueled by our people and strengthened through collaboration. Our HR Digital Transformation journey (HR Digi) is built on these principles, where cross-functional teams come together to bring meaningful and future-ready solutions to life.
IT Blog #3 | Ensuring High Availability with Cassandra as a Service: How Home Credit Achieves Continuous Operations
Journey from Scalability Struggles to Discovering the Ideal Database: How Cassandra’s powerful capabilities met our finance service needs for scalability, flexibility, and seamless data distribution across data centers. Dive into our tech odyssey and discover why Cassandra was a game-changer for us. Join our discussion below and share your insights or experiences with database scalability!
Home Decode – Behind the Tech at Home Credit
Home Decode is a series created for tech talents and those who are passionate about technology. Here, you’ll discover real stories shared directly by Home Credit team members about how we operate, make decisions, and innovate every day
IT blog #8 | Microservices: What's Next?
Microservices are very popular nowadays. The advantages of this architecture are undeniable, and many more companies are adopting it. Home Credit and possibly many more companies have already adopted this technology.
IT Blog #6 | Integrate Video KYC solution for Home Credit Vietnam’s Credit Cards
The video call KYC on Home Credit Vietnam’s mobile application helps the customers be verified online conveniently for making international spending in a secure manner. Specifically, by using this KYC step in the mobile application, the customer can now transact more than 100 million VND per month via Home Credit Card, and this also complies with the Circular 17 of the State Bank of Vietnam.
IT Blog #5 | Building micro-frontends with Vite & Module Federation: A Practical Tutorial
Dive into the world of micro-frontends! Discover how to build them using Vite & Module Federation in our latest article. From optimizing your workflow with a mono-repo structure to seamlessly integrating Vue components in a React environment, we’ve got you covered. Haven’t explored the concept of micro-frontends yet? Start with our previous article about Micro-frontend Architecture before diving into this hands-on guide.
IT Blog #4 | A deep dive into Micro-frontend Architecture
Discover the rise of micro-frontends as the next evolution after micro-services, their numerous benefits from scalability to faster deployment, as well as their challenges. Curious about how it all works, from server-side to client-side compositions? We’ve got you covered. Dive in to explore and understand the game-changing concept of Module Federation and its alternatives. A must-read for all IT enthusiasts!
Behind the team
Behind The Team #5 | Home Paylater: Pioneeing QR Payments in Consumer Finance
At Home Credit Vietnam, we’re leading the way as the first and only consumer finance company so far in Vietnam to launch QR payment for Buy Now Pay Later (BNPL) — a game-changing move led by our Home PayLater (HPL) team.
Behind The Team #4 | Meet Home Credit's Online Team: Innovators Behind Vietnam’s #1 Consumer Finance App
At Home Credit Vietnam, our Online Team is at the forefront of transforming traditional financial services into a seamless, digital-first experience. We don’t just build digital products - we redefine how million customers interact with financial solutions.
Behind The Team #3 | AI Process Analyst at the Crossroads of Innovation and Impact
At Home Credit Vietnam, behind every customer interaction and streamlined internal process is thoughtful, intelligent design. Many teams contribute to making these journeys smooth and meaningful, and technology is increasingly becoming part of that story.
Behind The Team #1 | Unlocking the Power of Data Science: Smarter Decisions, Better Experiences, Stronger Growth
Behind every decision is a sea of data. At Home Credit Vietnam, our Data Science team ensures data isn’t just numbers - it tells a story, guides smarter risk assessments, enhances customer experience, and drives business growth. Let’s explore our current key projects and see how we’re making impact.
Behind The Team #13 | Pricing Strategy & Decision Engine: Driving Strategic Growth in Consumer Finance
In today’s fast-evolving financial landscape, pricing isn’t just about setting numbers - it’s about shaping strategy, growth, and impact. At Home Credit Vietnam, the Pricing Strategy & Decision Engine team plays a pivotal role in leading this transformation, where data, technology, and strategic thinking converge to drive business success.
Behind The Team #14 | How does the CRM Technology Engineer team build campaigns and reach customers?
At Home Credit Vietnam, CRM Technology Engineer offers a different kind of exposure. They don’t just develop and operate backend systems. They work directly with Marketing and Customer Value Management teams to bring campaigns to life through real-time data, analytical insights, and precise automation tailored to each customer segment.
Behind The Team #2 | FP&A Team - Empowering Business Growth through Financial Insight and Foresight
Thinking about your next career move in hashtag#Finance? 👉 Let’s discover why the FP&A (Financial Planning & Analysis) team at Home Credit Vietnam should be your next destination!
Behind The Team #7 | End-to-End Impact: A day in the life of a Senior Risk Underwriting Analyst at Home Credit
At Home Credit Vietnam, our Risk Underwriting process is truly end-to-end - from designing smart policies, monitoring performance, all the way to deploying models into live systems.
Behind The Team #10 | Discovering the Essence of Business Legal
Going beyond traditional legal work, the Business Legal team at Home Credit Vietnam combines logical thinking, creativity, and business insights to enable effective and appropriate decisions and drive innovation in today’s fast-changing financial landscape.
Behind The Team #11 | Data & Feature Engineering – A Key Part of Home Credit’s Risk Intelligence Foundation
At Home Credit Vietnam, our Data & Feature Engineer team is one of the core enablers in powering risk decisions and shaping smarter financial solutions for millions of customers. By building robust data pipelines and unlocking features for advanced machine learning, the team ensures our models and engines run with accuracy, speed, and scale.
Behind The Team #12 | Keep the flow - Driving the Growth with the Funding & JFS Team
Behind Home Credit Vietnam’s steady and efficient financial operations lies the contribution of the Funding & JFS (Joint Financing Structure) team - a key unit that manages, mobilizes, and optimizes the company’s financial resources.
Behind The Team #9 | The Sales Planning & Analysis Cycle: Where Growth Finds Its Engine
Sales success is a collective effort - and The Sales Planning & Analysis team (SP&A) is one of the engines that keeps the momentum strong.
Behind The Team #8 | Inside a Senior Antifraud Data Analyst’s Day at Home Credit Vietnam
Fraud never sleeps - and neither does our Antifraud Data team’s vigilance. Inside the antifraud engine is a dynamic day packed with critical decisions and strategic mindset.
Behind The Team #6 | Compliance: Accompanying Sustainable Growth in Consumer Finance
At Home Credit Vietnam, Compliance is not just about ticking the boxes - it’s about partnering with the business to drive responsible, sustainable growth and build long-term trust.
Sales Stories
Chuyện Người Làm Sales – Episode 01: Thanh Nguyen
Thanh Nguyen - A 14-year journey of perseverance—proof of unwavering determination, a fearless spirit, and relentless progress in building a solid career fueled by passion for the sales profession.
His 14 years of steady perseverance through challenges stand as a powerful testament to resilience and a burning passion for the sales profession. Stay tuned for upcoming episodes, where we’ll continue sharing inspiring stories from Home Credit’s incredible sales team.
Chuyện người làm Sales - Episode 04: Quang Tran
Anh Quang Trần và hành trình sự nghiệp của anh ý.
Từ việc mở rộng 13 shop thành gần 70 chỉ trong 4 tháng, đến hành trình bền bỉ 10 năm để chinh phục một đối tác – câu chuyện của anh Quang cho thấy: Sales không chỉ là bán hàng, mà là lắng nghe, quan tâm và vun đắp niềm tin mỗi ngày. Hãy lắng nghe câu chuyện của anh Quang Trần – Trưởng Kinh doanh Khu vực tại Home Credit Việt Nam.
Chuyện người làm Sales - Episode 03: Quoc Bui
Quoc Bui began his career in Sales as a Sales Support Officer and steadily rose through the ranks, driven by perseverance, a growth mindset, and a strong commitment to personal development. For him, every number is a reflection of trust. His secret to achieving sustainable results lies in putting customers at the heart of every action and people at the center of every decision. Let’s explore the inspiring journey of Mr. Quoc Bui – Regional Sales Manager at Home Credit Vietnam.
Chuyện người làm Sales - Episode 05: Tuan Nguyen
“Sales gives me the chance to surpass my own limits. Every customer, every number, every rejection — they all teach me to grow.”
Chuyện Người Làm Sales – Episode 02: Quynh Dang
Quỳnh Đặng and Her 11-Year Journey of Perseverance in Sales
From an accountant to a sales professional through an unexpected opportunity, Quỳnh once doubted herself, overwhelmed by sales targets and constant rejections. But with 11 years of relentless perseverance, she has risen to lead an entire team – guided by her resilience and kindness, forged over time. Sales is not just about closing deals – it’s about delivering value and creating opportunities that change lives. Let’s discover the journey of Quynh Dang – District Sales Manager at Home Credit Vietnam.