Experience

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  Shimizu construction

  Apr 2015 - Jun 2015

  Finance intern

  - Research data of current market demanded product - Conduct Asset Liability Management by maintaning total cash flow needed - Report financial statement per quarter to be given to shareholder- Conduct risk management analyse to reduce company risk by do financial modeling and calculate valuae at risk

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  Permatabank

  Jan 2017 - Jan 2019

  Being a Relationship Manager SME , I have several work duty for lending and funding side which is focusing on lending side . As Relationship Manager , I need to interact with other division like Risk Management , Trade Finance , Treasury , E-Channel , Product , etc which is it give me comprehensive skills in banking industryMy current portfolio is about 180Bios with my debtor in severall segment like Contractor , Manufacturing ( garment , plastic , etc ) , Trading , Importer , and also Services My current job desk is like: - Processing new loan up to 150Bio & do renewal of existing client by making credit proposal- Analyze debtor situation ( 5C) with current market condition and give financial solution that suitable to debtor with purpose for reduce the risk that could be occur for the bank by making some covenant and condition as a risk mitigation- Provide Trade Finance product like LC S/U , PIF , POF , CBN , UPAS , UFAM - Do forex transaction for debtor for spot , forward , and options - Maximize bank's revenue by doing cross selling like mortgage , ccpl , and others - Fulfilled all compliance documents for legal documentation and answering all inquires by credit committee- Interact as intermediaries for debtor to the bank and maintain good relationship with existing and prospective client Show less Being in Banking Associate Program Permata Bank given me deeply knowledge how to maintain existing customer and acquisite new customer that suitable with our bank risk appetite. Beside that i have knowledge in analyse client portfolio and do loan structuring for direct loan by offering product loan / discretional loan. On the other hand I have skills in risk identification that could be occur for the bank and reduce the exposure that the bank will face by identify the risk trigger and do mitigation of it. The other things I also do maximizing revenue for bank in terms of Global Market by hedging FX and FX derivatives , and last one is understanding in indricet loan like Trade product in example LC/BG/SKBD and etc.- Ranked 3rd of total 18 people at the program of SME Banking Show less

  • Relationship Manager SME

    Jan 2018 - Jan 2019

  • Banking Associate SME

    Jan 2017 - Dec 2017
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  Maybank

  Jan 2019 - May 2020

  Manager - commercial banking relationship manager

  As a Business Relationship Manager, I need to handle around 15 accounts with total portfolio of IDR 800Bio that consist of several industry such as manufacturing, multi-finance, property development, wholesale trading, pharmaceutical, consumer goods, travel, contracting, auto and others. Beside of that I have several exposure in syndicate loan, club deals, and also private equity loan.Also the most important role is being a bridging within the Customer and BankMy daily job currently is such as:- Maintain existing debtor (renewal, daily trx, cross-selling,etc)- Finding new pipeline for prospect debtor (starting from IDR 25Bio - IDR 450Bio)- Collaboration with other teams to sell other cross-selling such as CASA, Bancass, Trade Fin, FX Facility, Cash Management, etc- Ensure all proposal and daily trx have been comply with internal standard basis and regulator- KYC and CDD for every account's handle- Analyze qualitative and quantitative of historical perfomance and make projection ahead for every existing and new debtor- Mitigate every risk that could be occur and give solution that applicable Show less

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  Pt bank ocbc nisp, tbk

  May 2020 - Jun 2022

  Senior manager - enterprise banking relationship manager

  My focus in OCBC is for growing and maintaining account for lending, whereas my lending exposure consist from diversified industries such are Oil&Gas (Upstream - Downstream), Chemicals, CPO, IT solution, Transportation, Ceramics, General Contractor (inc M&E) and Textile.In here I need to be in charge in several duties such are:- Acquisition of new clients (lending&funding) that match with Bank's segmentation (Loan > IDR 100bio / STO > IDR 500bio) - Maintaining good relationship with existing client and explore further oppportunity that can be grabbed - Being a bridge between customer & the bank and give suitable financial soluition that meets with client needs- Handling & provide Direct loan, Trade facilities, FX facilites, and Cash Management that most all client needed for daily transaction as most of my clients have parents company in overseas- Involve in club deals, syndicate loan, M&A, and IPO for client's purpose- Conduct annual review for all client to examine their recent financial condition and give update to Credit Committee's member regarding their latest situation- Helping all clients for both funding & lending in terms of market updates and help them to achieve their growth, sustainable, and better condition for their business Show less

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  Xendit

  Jun 2022 - Nov 2022

  Avp - enterprise sales manager

  In Xendit, my roles as Enterprise Sales Manager consist of lending related whereas main role for acquiring new direct borrower & maintaining existing borrower with minimum credit limit at USD 150Thou - 7 Mn and STO up to USD 3 Bn followed on with cross selling regarding cash management as well.Furthermore I have several duties as well such are:- Expanding, growing and maintaining existing Loan Channeling to other P2P platform followed by assessing the credit profile of eachborrower itself- Opening new partnership with several platform business model (logistic, warehouse, agri business, fishery, and others) whereas they act as loan aggregator to Xendit- Building and create Distributor/ Anchor Financing, Supply Chain Financing, Dealer Financing, and other lending related products- Extend and enhance regarding credit workflow, credit policy, credit hierarchy, credit risk, SLA process, credit exposure followed on with compliant to regulatory policy for each lending entities- Cross selling to our borrower for our Payment Gateway products (money in & money out) to increase Xendit TPV (total proceed volume) - Build sustainability healthy pipeline to grow Xendit loan booked. During my first three month tenure, I successfully bring deals around USD 10 Mn for loan book and USD 4 Mn TPV for payment gateway of public & private companies that come from diversified industries such are CPO, Logistics, Fishery, Outsourcing, Mining, Advertising, F&B distributor, IT services, Procurement services, and others. Show less

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  Standard chartered bank

  Dec 2022 - now

  Senior associate director, client coverage local corporate

  As part of Client Coverage for Local Corporate, my main role is to cover relationship with existing & new clients as well liaise with others departments (credit, trade, financial market, structured finance, ESG, debt capital market, leverage acquisition finance, operations) to give the best financial solution for client in accordance with credit policy guidance & bank’s appetite by giving risk mitigation & identify the risk that could be occurred in future as the first-line defense.My portfolio in SCB is consist from borrowing account & non-borrowing with total revenue contributed to the bank around USD 5Mn/ year with sector that I cover are Retailers, FMCG, Pharmaceuticals, Fisheries, Logistic, O&G, Chemicals, Power Plant, Paper, Ceramics, Automotive, Transportation, Plastic, and Cigarettes. Total account numbers for borrowing are 34 accounts with average total exposure above USD 100 Mn. Show less