Contact
Open to opportunities · Ho Chi Minh City

Tram Anh (Annie) Pham

Finance Operations · Financial Analysis · Business Operations

Over the past few years I’ve moved from accounting into finance operations and hands-on project work. I built my foundation through internships at Bosch Vietnam and Duc Bao and the finance team at Nha Trang Marriott. I now manage payment operations and reconciliations at Lirunex, a fintech company, and support the CEO of KAN Investment with financial models, budgets and supplier coordination. I’m looking for a long-term role where I can deepen that experience, with a master’s degree planned for next year.

CurrentlyEducationLanguages Finance Executive · LirunexRMIT · Economics & FinanceVietnamese · English
View projects → Download CV (PDF)
3+ yrsfinance & ops
~200withdrawals verified / day
−75%promo processing time
4.2bnVND capex modelled
7 rolesacross 6 organisations
Worked withMarriottBoschGuardianKAN InvestmentLirunexDuc Bao
01

Selected projects

Context, responsibilities, results and supporting evidence. Figures anonymised where required.

3 cases
Case 01Real estateInvestment planning

Serviced Apartment Development: Room Configuration Analysis

Financial model and project coordination for a serviced apartment development, comparing six- and eight-room configurations while design approval and construction pricing were being finalised.

RoleExecutive Assistant to CEO
CompanyKAN Investment
Period2026, ongoing
Horizon10-year cash flow

Responsibilities

  • 1Financial model. Five-month construction budget, funding schedule and ten-year cash flow for each option.
  • 2Investment metrics. NPV, IRR, payback and terminal value for both configurations.
  • 3Cost and contractor review. Turnkey and structural quotations; 34 contractors and supervisors tracked.
  • 4Project readiness. Permits, design dependencies and operations set-up across 12 milestones.

Evidence · option comparison

Model dashboardVND bn
Metric6 rooms8 rooms
Total investment3.694.20
Year 1 operating cash flow0.180.32
NPV (12% discount rate)−0.590.83
IRR9.45%14.82%
Payback year109

Result

9.45% → 14.82%Projected IRR, 6 vs 8 rooms
+VND 510mAdditional investment for the eight-room option
+VND 138mAdditional Year 1 operating cash flow
ExcelNPV / IRRCapex budgetingProcurement
Read full case →Excel model ↓Forecasts as of September 2026
Case 02RetailProcess automation

Promotion Price List Consolidation and Vendor-Funding Calculation

Consolidation of buyer submissions into the monthly promotion price list (LL) and twice-weekly calculation of vendor-funded top-ups for new deals.

RoleBusiness Administration Executive
CompanyGuardian Vietnam
PeriodOct 2025 - Jan 2026
CadenceMonthly + twice weekly

Responsibilities

  • 1LL consolidation. Buyer templates, consolidation against the frozen LL and exception review.
  • 2Validation rules. Locked fields, list values, dates and deal-combination rules.
  • 3Top-up calculation. Incremental discount against active price layers, allocated by funding type.
  • 4Hand-off. Final LL to all departments; set-up file to the Data team and IT.

Evidence · workflow

Monthly promotion cyclesynthetic demo
1Frozen LL
12-15Buyers
nRevisions
VBAConsolidation
1Final LL
ExceptionHandling
Locked field editedBlock buyer
Promo price above normalWarn
Duplicate fileSkip

Result

~2 days → ½ dayMain monthly LL update
2× weeklyVendor-funding file delivered to the Data team
4 typesFunding types handled in the top-up
Excel VBAKNIMEOutlook
Case 03Consumer goodsFinancial planning

New Product Launch: Financial Planning and Commercial Coordination

Commercial workstream for a bamboo-frame pop-up tent at prototype stage: financial model, pricing and MOQ analysis, supplier and contract coordination, and weekly tracking.

RoleExecutive Assistant to CEO
CompanyKAN Investment
Horizon2026-2035
StatusOngoing

Responsibilities

  • 1Financial model. 2026 monthly plan and 2026-2035 cash flow with three scenarios.
  • 2Pricing and MOQ. 20 comparable products benchmarked; delivered margin by order size.
  • 3Suppliers and contracts. Canopy sample, component quotations, one LOI and two framework agreements.
  • 4Project tracking. 12 workstreams reviewed weekly.

Evidence · scenario inputs

Scenario factorsplanning only
CaseVolumePriceUnit cost
Conservative0.80×0.95×1.10×
Base1.00×1.00×1.00×
Optimistic1.20×1.05×0.92×
Completed
3In progress
6Pending
3

Result

10 yearsCash-flow model, three scenarios
Quote on reviewPricing analysis held the first quote before buyer outreach
12 workstreamsTracked weekly with owners and next actions
ExcelForecastingPricingLOI / agreements
Read full case →Demo workbook ↓Planning outputs, not achieved results
02 · Capabilities

What I do

The three kinds of work that run through every role above.

01Reconcile

Payments, deposits, vendor funding and trading terms - matched, explained and closed.

02Automate

Excel VBA, Power Query and KNIME to remove repetitive, error-prone steps.

03Model

Cash-flow, budgets, NPV/IRR and scenarios built to answer one decision.

03

Experience

Full responsibilities for each role.

2023 - present
Apr 2026 -
Present
Fintech

Finance Executive

Lirunex Limited
  • Process and monitor ~200 withdrawal requests daily, verifying transaction details, KYC status, balances and supporting records.
  • Reconcile daily deposits and withdrawals across payment gateways and bank accounts; investigate pending, rejected, refunded and discrepancy cases.
  • Coordinate with payment providers and Finance, Accounting, Dealing, Customer Support and Operations to resolve issues.
  • Maintain records and trackers in CRM, internal tools, Power Query and VBA to improve accuracy and checking speed.
CRMPower QueryVBAKYC
Oct 2025 -
Present
Investment

Executive Assistant to CEO

KAN Investment Co., Ltd.
  • Build formula-driven cash-flow and forecast models - monthly/annual projections, scenarios, NPV, IRR and break-even.
  • Consolidate supplier quotations and assumptions to analyse costs, pricing, margins, construction budgets and funding needs.
  • Coordinate suppliers, manufacturers, contractors and partners across product development, procurement and delivery.
  • Prepare and review bilingual commercial documents: framework agreements, LOIs, quotations, invoices, partnership agreements.
  • Develop management reports, meeting summaries, presentations and Excel trackers for CEO-level planning.
Oct 2025 -
Jan 2026
Retail

Business Administration Executive

Guardian Vietnam
  • Automated pricing, vendor funding and promotional tracking with Excel VBA and KNIME - ~2 working days → ½ day.
  • Coordinated BA, Commercial, Finance, Online Operations and IT to implement online pricing and funding updates in NetSuite.
  • Reconciled trading-term funding, purchasing income, monthly billing and overlapping promotions; investigated vendor disputes.
Mar 2025 -
Present
Freelance

Accounting & Tax Support

Household businesses (3 clients)
  • Maintain accounting records, expense trackers and tax documentation.
  • Prepare tax documents and liaise with local tax authorities for timely reporting and compliance.
Nov 2024 -
Feb 2025
Hospitality

Finance Trainee

Nha Trang Marriott Resort & Spa, Hon Tre Island
  • Supported Income Audit and Cost Control by reviewing night audit reports, system records and source documents.
  • Reconciled records across Opera, FIAT and Marriott internal systems; investigated discrepancies.
  • Followed up cash-flow records, audit issues and outstanding documents with Purchasing, AR and AP.
Apr 2024 -
Aug 2024
Manufacturing

Financial Accounting Intern

Bosch Vietnam
  • Processed weekly payments, debit notes and tax invoices in SAP, validating supporting documents.
  • Prepared documents for tax reports, audits, VAT refunds and monthly reconciliations.
  • Coordinated document flow among end users, suppliers, Finance and Controlling.
Mar 2023 -
Jun 2023
Accounting

Accounting Intern

Duc Bao
  • Assisted with financial statements, schedules, journal entries and supporting documents.
  • Performed account reconciliations and supported process improvements.
Education

Bachelor of Economics & Finance - RMIT University

Oct 2020 - Oct 2024 · Corporate Finance; Forecasting & Quantitative Analysis; Business Statistics.

Skills

Finance · Operations · Tools

Payment ops, cash reconciliation, modelling, budgeting, cost & pricing · process improvement, supplier management · Excel, Power Query, VBA, KNIME, SAP, NetSuite.

04

Certifications

6 completed
DS

Data Science Foundations: Fundamentals

Issuer · Year

View credential ↗
BC

Making the Business Case

Issuer · Year

View credential ↗
PP

Planning a Project

Issuer · Year

View credential ↗
PS

Business Problem Solving

Issuer · Year

View credential ↗
DL

Data Literacy

Issuer · Year

View credential ↗
QM

Quantitative Methods

Issuer · Year

View credential ↗
05

Work samples

Sanitised files you can open - no company data or internal paths.

PDF · XLSX · VBA
06

Academic references

Ms. Pham is a fast learner, good listener and excellent at working in a team setting.
RK
Ronald R. Kumar, PhDSenior Lecturer, Economics · RMIT University Vietnam
Letter PDF ↓
Achieving a distinction both for the overall scores and her individual and group assignments.
BB
Bob Baulch, PhDProfessor of Economics · RMIT Vietnam
Letter PDF ↓
07 · Contact

Get in touch

FP&A, finance operations or analyst roles in Ho Chi Minh City or remote.

Emailpta280301@gmail.com
Phone+84 915 962 315
LinkedInhttps://www.linkedin.com/in/tramanhpham2001/
CVDownload PDF ↓