About Toan
Senior Business Analyst and acting Product Owner with 7+ years delivering regulated B2B fintech products — currently embedded in a European SME payments and e-invoicing platform, working daily with Peppol network compliance and EU VAT-digitisation mandates.
I help European product teams translate regulatory complexity — PSD2/PSD3, e-invoicing (EN 16931), open banking — into sprint-ready requirements, without the compliance gaps that surface late in delivery. Typical deliverables: backlog ownership, requirements specification, stakeholder alignment across distributed teams, and release governance.
Fully async-first operating model: structured Confluence documentation, written sprint reviews, Slack-based escalation with defined SLAs. Currently running 2-3 hours of daily overlap with CET without friction. Deel/Remote.com contractor setup available for immediate engagement.
Vietnamese
Native or bilingual
English
Fluent
Remote only
Primarily works remotely
Experience
- Banqup GroupSenior Business AnalystDIGITAL AND ITOctober 2024 - Today (1 year and 10 months)Embedded senior BA and acting Product Owner at a European B2B fintech platformcovering SME payments and e-invoicing. Own backlog and delivery across 2 parallelproduct squads (~8 engineers), translating stakeholder directives into sprint-readyrequirements within a 2-week Agile cadence. Work at the intersection of Peppolnetwork implementation, EU e-invoicing mandate rollout, and B2B billing-flowcompliance. Facilitate all Agile ceremonies and release governance asynchronouslyacross distributed teams spanning Europe and Vietnam — full delivery continuity,zero co-location dependency. Primary requirements interface between productstakeholders and engineering across Europe.
- DXC TechnologyBusiness Analyst • · Insurtech PlatformsJuly 2021 - May 2024 (2 years and 10 months)Owned backlog and full product lifecycle for 10+ insurance products (Manulife,Vietnam market) — managing a broker-facing ePOS catalogue with ~40 active userstories in-flight at any point. Led the 2023 regulatory compliance overhaul acrossa 6-month legislative transition window under updated Vietnam Insurance BusinessLaws — zero violations, on-schedule delivery. Translated actuarial Excel modelsinto system configuration specifications, reducing pricing errors by 18%. Advisedthe Indonesia team on offline-first ePOS product logic enabling rural-marketexpansion. Served as technical gatekeeper for product engine integrity across 10+concurrent products before each release.
- FPT SoftwareInsurance Product Configuration & ePOSJanuary 2020 - January 2021 (1 year)Defined integration requirements and data-flow specifications across platformmodules and third-party vendor connections for Unifiedpost (now Banqup Group),laying groundwork for what became a long-term anchor engagement. Aligned businessand engineering stakeholders on scope, sequencing, and acceptance criteria —establishing the BA operating model that later evolved into the acting-PO structurenow in place. Also contributed to a large-scale AEM platform consolidation forAscott Group across APAC and Europe, owning module requirements end-to-end andparticipating in UI/UX design, wireframing, and user flow mapping.
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Education
- College Diploma in Networking & System AdministrationHoa Sen University (NIIT India Program)2013College Diploma in Networking & System Administration