Bao Ngo

Business & Analyst

Hanoi, Vietnam 🇻🇳

Programing Languages
  • Python
  • SQL
  • Javascript
  • PHP
  • C++
  • Java
  • Golang
  • Bash
  • AutoIT

Technologies Stack
  • Airflow
  • Superset
  • dbt
  • Linux
  • Flask
  • RestAPI
  • Laravel
  • MySQL
  • SQL Server
  • PostgreSQL
  • Citus
  • Trino/Presto
  • Trino
  • Git
  • Docker
  • PyTorch
  • Tensorflow
  • YOLO

Professional Knowledge & Skills
  • Risk Management
  • Finance & Banking
  • Operation Analytics
  • Critical Thinking
  • Asset and Liability Management
  • Business Development

About Me

Passionate quantitative analyst with 3+ years of experience in banking sector, product operation, retail and risk management. Experience in building and managing data orchestration and analytic system with modern approach. Dedicated team leader with the ability to effectively manage and achieve project goals, leveraging my complex understanding of systems engineering concepts.

Find me on


Founder & Software Engineer

W Station, Feb 2017 - Present

  • Crawl data from various sources to analyze trending products
  • Design and develop Warehouse Management System based on Laravel PHP Framework to control inventory, sales and cash flow
  • Control warehouse operation in HCMC, Maryland and California while purchasing goods from various retailers
  • Cooperate with shipping partners to declare import procedure documents
Data Analyst

OpenCommerceGroup, Feb 2021 - May 2022

  • Optimize CrossPanda and PlusBase performance by detecting the bottleneck in operation process. Reduce processing time by 50% while ensuring operational rigor
  • Develop oversea shipping time estimation model to minimize claims by using Logistic Regression
  • Develop after-payment fraudulent transactions detection model to avoid payment gateway frozen in ShopBase Payment by applying Anomaly Detection/Logistic Regression/XGBoost. Control the rate of fraudulent transactions through the ShopBase Payment gateway below 3%
  • Develop stock prediction model to calculate MOQ and reduce ordering costs
  • Research on customer behavior to find the best-fit products (winning products) and providing these derived insights to merchant resulted in high conversion rate.
Lead Quantitative Analyst

Construction Bank, May 2022 - Present

  • Restructure entire analytic system of quantitative team by leading a project of deploying distributed PostgreSQL, Apache Airflow, DBT, Apache SuperSet, ... Automate the entire ETL, data quality control, reporting process and re-build model to reduce human effort
  • Extract data from Loan Origination System and core banking to develop credit scoring system
  • Utilized Logistic Regression and Optimal Binning to reinforce performance of credit rating system. Increased AR score to 46%. Isolated 75% of bad debt by eliminating less than 30% of customers and support to control bad debt of all portfolio below the threshold of 2.7% as required by the State Bank of Vietnam
  • Developing modeling methodologies to analyze customer payment activities to build debt payment behavior and collection model
  • Research on customer deposit behavior model and relationship/correlation of some independent economic variables such as interbank interest rate, VNINDEX, gold rate, crude oil price, ... by utilized Granger causality, LTSM, Random Forest, and Vector Autogression with customed data shifting technique. The model has an error of 0.9% with a total portfolio value of more than 3 billion USD - being evaluated by the credit council
  • Building credit & operation warning indicators to warn early of risks that may arise during the operation


Bachelor of Business Administration

Banking Academy of Vietnam, Sep 2016 - Sep 2020

  • Scholarship Award for The First Academic Year
  • Graduated with Distinction
Bachelor of Business Administration

City University of Seattle, Sep 2016 - Sep 2020

  • Dean's List for Spring Quarter 2019-2020
  • Dean’s List for Winter Quarter 2019-2020
  • Graduated with Distinction
Master of Business Administration

National Economics University, Nov 2023 - Present

  • Updating ...

Courses & Certifications

Financial Risk Management

Global Association of Risk, Jan 2023 - Present

  • Updating ...
SQL Advanced

HackerRank, Mar 2023 - Present