06Selected clients
Trusted by operators across the region.
JotonStone
Risk Nova Advisory is a founder-led boutique built on 25 years at the frontline of risk, credit, and digital consumer finance. We act as your Chief Risk Officer on demand — and as the strategy-and-execution partner for firms entering and scaling across Southeast Asia.
Our founder's leadership track record spans
A full-time CRO is expensive and slow to hire. A Big-Four engagement gives you slideware, not ownership. We offer a third path — senior risk leadership you can switch on when you need it.
Most institutions don't need another report. They need someone who has built risk functions from the ground up, sat across the table from regulators, and run portfolios through real downturns — embedded in the business, accountable for outcomes.
Risk Nova works at two ends of the same problem. We give established lenders the risk leadership they're missing, and we give firms entering Vietnam and the wider region the local judgement to do it without stepping on a landmine.
Either way, you work directly with the principal — not a pyramid of juniors learning on your time.
Both rest on the same foundation: decades of decisions made where the risk was real and the consequences landed on the balance sheet.
CRO-as-a-Service — fractional, interim, and project-based Chief Risk Officer leadership that builds the credit and risk engine, not just advises on it.
The strategy and on-the-ground execution to enter Southeast Asia and grow once you're in — from market study to a live, scaling business.
You engage the principal directly. The person advising you is the person who has done the job — not a team being trained at your expense.
We work inside your business and own outcomes, not just deliverables. The test is whether your risk position is stronger when we leave.
Based in Ho Chi Minh City, fluent in the local regulatory reality and in the language of international boards and investors.
No audit cross-sell, no software to push. Our only product is judgement, and our incentive is your decision being the right one.
A risk and digital-finance executive with 25+ years across Vietnam and Southeast Asia, Rick is equally a Chief Risk Officer and a business builder — he has launched a digital bank and multiple credit businesses from zero to market, owned full P&L, built a 2,000+ person sales organisation, and led SBV licensing end-to-end.
He founded Risk Nova Advisory to put that experience to work for institutions and market entrants alike, and is currently CRO to fintech platforms Circle and Jenfi and an Independent Director and Board Risk Chair at VTGS Securities.
He recently served on the board risk and credit committees of iBank Cambodia and as the shareholder representative in Abacus Digital in Thailand. Earlier, he was CEO of Consumer Finance & Digital Banking at OCB and Liobank, Chief Risk Officer at MSB and Prudential Finance Vietnam, and held regional leadership roles at Nielsen across Vietnam and China. He holds an M.A. in Development Economics from Erasmus University Rotterdam.
Commercial and digital banks strengthening risk governance and meeting regulatory expectations.
Finance companies and digital lenders managing portfolio quality and credit risk at scale.
Platforms building lending and payments products that need risk designed in from day one.
International players assessing, entering, or scaling across Vietnam and Southeast Asia.
Whether you're missing a risk function or weighing your first move into the region, a short conversation is the fastest way to know if we can help.
[email protected]Ho Chi Minh City, Vietnam · +84 982 254 876