Phap (Patrick) NT is a seasoned professional in the financial services and technology sectors with extensive experience in leadership roles. Currently serving as the Director of the Card Center at VietinBank, Phap has previously held significant positions such as Country Head of Lending and Head of Commercial for Grab Financial Group. As a founding member and Head of Sales for Oriente in the Vietnam market, Phap demonstrated expertise in market development. Additionally, Phap led the Two Wheels Segment at Home Credit Vietnam and served as Assistant Channel Development Manager at Samsung Electronics Vietnam Co., Ltd.