Thi Nguyet Nga Pham is recognized for her exceptional work in risk management and credit risk modeling. She has received commendations for her insightful and knowledgeable contributions to Rabobank, where she excelled in credit risk portfolio analysis and segmentation approaches. Nga Pham Thi Nguyet's professionalism, hard work, and trustworthiness have been highlighted by colleagues, making her a highly recommended individual for any organization