Mr. Paul Coughlin is currently a special advisor and member of the Credit Rating Committee at FiinRatings. Prior to joining FiinRatings, he was the Executive Managing Director and Global Head, Analytics and Operations at S&P Global's New York headquarters from 2005 until his retirement in 2014. He worked at S&P Global Ratings for more than 26 years (1988-2014) and joined Australian Ratings in 1988 before the company was acquired by S&P in 1990. After that, he was in charge of S&P Mainland China, which was headquartered in Hong Kong, and became a founding member of Taiwan Ratings.

Prior to the current role as a Member of the Credit Rating Committee at FiinRatings, Mr. Minh was the Head of the Supervisory Board at Hiep Phuoc Industrial Park JSC in Ho Chi Minh City for 10 years. He also worked at Jaccar Holdings Fund Management Company and Service Company to Foreign Missions (FOSCO). Currently, he works as a professional advisor and is directly involved in FiinRatings' credit rating process. In Vietnam's banking and finance industry, Mr. Minh has 24 years of expertise.

Mr. Thinh is currently a member of the Credit Rating Committee at FiinRatings. He has 23 years of expertise in assurance, corporate governance, risk management, and sustainability development. Mr. Thinh is the current Chairman of the ACCA Member Advisory Committee, a member of the VIOD Academic Advisory Council, and a co-founder of CGS Vietnam. He worked at PwC Vietnam for 16 years, where he was the director in charge of risk management, corporate governance, and sustainability in Hanoi office.

Mr. Dong is currently the Managing Director at the Research and Consulting Department of FiinGroup. Previously, he was a Senior Investment Manager at BIDV-Vietnam Partners Investment Management with assets under management of USD 100 million and an Audit Manager at Deloitte Vietnam.

Mr. Khang has more than 10 years of experience in investment and corporate finance. Before joining FiinRatings in 2020, Mr. Khang was a Finance Manager at The Open House Joint Stock Company, which owns the Toong Coworking Space brand. Previously, Mr. Khang was a Team Leader at TPBank's Investment Banking Division and Audit Senior at KPMG Vietnam. Mr. Khang graduated with a Bachelor's degree in Auditing from the National Economics University.

Mr. Quan had 3 years of experience working at Ernst & Young (EY) New York in the field of structured finance and 1 year at EY Vietnam in the field of financial advisory. Before joining FiinRatings, Mr. Quan was in charge of the Resource Planning department at One Mount Distribution company of One Mount Group. He graduated from Pennsylvania State University with a bachelor's degree in finance, a minor in economics, and a master's degree in finance from Goldey Beacom University (USA).

Mr. Hoang is an expert in financial analysis and investment. Before joining FiinRatings in 2020, Mr. Hoang was a Senior Analyst at FPT Securities Joint Stock Company, responsible for monitoring, analyzing and giving investment advice with regard to companies in the Steel and Cement industries and other industrial sectors. Before that, Mr. Hoang worked as an auditor at KPMG Vietnam. Mr. Hoang graduated with a Bachelor's degree from RMIT University Vietnam and became a Chartered Financial Analyst (CFA).

Ms. Thu Anh has experience in the field of accounting and auditing, and worked as a Senior Auditor at KPMG Vietnam, in charge of some large customers such as Masan High Tech Materials JSC, Vietnam National Petroleum Group and Bitexco Energy JSC. Ms. Thu Anh graduated with a Bachelor's degree in Finance from National Economics University and has completed Level II of the Chartered Financial Analyst (CFA) program.

Before joining FiinRatings, Mr. Cuong was a Senior Analyst at FPT Securities Joint Stock Company, responsible for monitoring, analyzing and making investment advices with regard to companies in the pharmaceutical industry. Mr. Cuong graduated with a Bachelor's degree in International Business from Elizabethtown University (USA) and a Master's degree in Investment from the University of Birmingham (UK).

Before joining FiinRatings, Ms. My was a Finance and Accounting Specialist at Public Bank Vietnam. Ms. My graduated with a Bachelor's degree in Banking and Finance from Baruch University (USA) and a Master's degree in Financial Risk and Investment from the University of Westminster (UK).

Ms. Thuc Anh held the position of Market & Counterparty Risk Analyst at VPBank and Tax Consultant at EY Vietnam before joining FiinRatings. She graduated with a Bachelor's degree in Banking and Finance from the National Economics University and a Master's degree in Finance and Accounting from The University of the West of England (UK).

Before joining FiinRatings, Ms. Tam had experience as a Business Credit Analyst in the Business Information Department at FiinGroup and as a Credit Appraisal Officer at Vietnam Maritime Commercial Joint Stock Bank (MSB). Ms. Tam graduated with a Bachelor’s degree in Banking and Finance from Hanoi University and a Master’s degree in International Finance and Accounting from Deakin University (Australia).

Ms. Linh has experiences in the position of Senior Credit Policy & Portfolio Analyst for Retail Banking Techcombank Vietnam (TCB) and Credit Risk Model Validation Officer at Groupe BPCE, the second largest financial institution in France. Ms. Linh graduated with a Bachelor's degree in Economics and Finance in the, Master's degree in Insurance and Risk Management from the University of Paris-Dauphine, France, and has completed the CFA program.

Mr. Hiep has experience in building and operating automated systems for data processing and corporate credit scoring as a Business Credit Analyst at FiinGroup's Business Information Department. Mr. Hiep graduated with a Bachelor's degree from the International Program between Vietnam National University and Keuka University, and has completed the CFA program.

Before joining FiinRatings, Ms. Lan worked as Senior Auditor at KPMG Vietnam and Credit Analyst at Mizuho Bank Vietnam. She graduated from City University of Seattle (USA) with a major in Financial Management.

Before joining FiinRatings, Mr. Tung Anh was an economic and market researcher at the State Securities Commission and the Australian Embassy in Vietnam with many contributions to policies on economy, stock market, and commerce. Mr. Tung Anh graduated with a Bachelor's degree from the National Economics University and a Master's degree in Financial Management from the University of Melbourne (Australia).

Ms. Nhung graduated with excellence from the Advanced Finance Program at National Economics University. Before joining FiinRatings, she worked as a macroeconomics and stock market researcher at AFA Capital.

Ms. Thao graduated with distinction from the Faculty of Finance and Banking at National Economics University. Before joining FiinRatings, she worked at Savills Vietnam with extensive experience in data analysis and real estate market.