Experience

• 

  Pt bank central asia tbk

  Jan 2006 - May 2006

  Call center officer

  Handling calls from all BCA customers in Indonesia

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  Pt. bank ocbc nisp tbk

  Jun 2006 - Apr 2009

  Account officer

  - Obtain new commercial loan customer and processing the loan proposal until the loan facility created and disbursed. - Maintain the existing debtor including add facility or renewal.

• 

  Pt. bank mandiri (persero) tbk

  Jun 2009 - Aug 2014

  Responsibilties,- To Develop a performance monitoring system at Business Banking Centers and Relationship Managers- To Monitor & Evaluate the Lending Sales trend and Lending Quality trend- To Analyze the productivity of Business Banking Centers and Relationship Managersl- Field Monitoring if needed- Report to Department Head & Group Head Responsibilities,- Manage the Team Portfolio of SME Loan - Loan Portfolio Growth- To set the targeted customer from the prospect customer list- As Credit approver with amount from Rp.100 mio - Rp. 1 bio- Manage te budget of the team- Manage the SDM & their career path Responsibilties,- To Develop a performance monitoring system at Business Banking Centers and Relationship Managers- To Monitor & Evaluate the Lending Sales trend- To Analyze the productivity of Business Banking Centers and Relationship Managers- Field Monitoring if needed- Report to Team Leader & Department Head - Build and maintain relationship with existing dan potential Lending and Funding customer - Provide Banking services specially for working capital, investment financing, capital budgeting, Bank Guarantee and other commercial Banking services. - Understanding and knowing how to mitigate the risk of debtor business, connected to the facility structure and repayment capability. - Manage and monitoring workflow & staffs.

  • National 2 Group - Sales & Credit Quality Team Leader

    Jan 2014 - Aug 2014

  • Business Banking Center Team Leader

    Jun 2013 - Jan 2014

  • National 2 Group - Business Analyst for Business Banking (Senior Manager)

    Aug 2012 - Jun 2013

  • First Senior Manager Commercial & Business Banking

    Jun 2009 - Aug 2012
• 

  Pt bank keb hana indonesia

  Aug 2014 - Dec 2014

  Branch manager

  Responsibilities,- Manage Portfolio of Commercial Lending & Funding- Branch Services & Operational - Manage the budget of the Branch- Manage the SDM & their career path

• 

  Panako resto

  Jan 2015 - Jan 2016

  Business owner

  Manado traditional grill and spicy fish

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  Pt bank jtrust indonesia tbk.

  Aug 2015 - Jun 2017

  When management decided to reorganize again as of January 16, 2017, in order to improve and re-evaluate the existing accounts, I was asked to strengthen a department responsible for managing accounts categorized as watch list from corporate, commercial, and SME segments, while They rearrange the new business model, which is expected to be even better for those segments.My Responsibilities are:- Dealing with Watch list Customers from Corporate, Commercial, SME & Mikro Segmentation in order to decrease the number of troubled borrowers - Conduct a review of three pillars and collate the account strategy of each customer, and grouped them into Maintain, Phase Out, or Exit Customers - Submit a review and proposal of a credit facility of each existing customer in the first point to Credit Committee, including, if necessary, rescheduling or restructuring of credit facilities, in order to obtain correspondence between the credit facilities obtained, with the size of the business, the business model and the ability to pay- Do Monitoring and evaluation of customers referred to in the first point periodically with complete documentation- Organize the people (team), their job description, and goal setting to ensure the aim of the department is reached and led them with a clear direction for execution- Conduct periodic reviews on the KPI team to control the organization in order to remain on the aim of the Department, by applying Coaching, counseling, and mentoring methods to improve the performance and as a preparation of a cadre of leaders- Conduct performance appraisals by KPI achievement for a remuneration package- Report directly to the Remedial Management & Credit Reposition Division Head and to the Managing Director of Credit-As the holder of credit approval authority for SME and Consumer Segment with Limit Submission up to Rp. 2 billion Show less With the change of the organizational structure, the Regional and Branch are not involved in the credit process, so the Regional Business Development position doesn't exist anymore. The process is now centralized into 5 Business Centers in Jakarta called Retail Business Centers (RBC). As an RBC Manager, I have the Responsibility to:- The Asset Growth and Quality, especially in retail lending (SME & Consumer), - Manage 2 Teams, with 2 Team Leaders and 8 Account Officers as downlines.- Run targeted customer-setting process and prudent credit initiation process- As the holder of credit approval authority for SME and Consumer Segment with Limit Submission up to Rp. 500 Mio- Manage the budget of the RBC- Manage the SDM & their career path Show less Responsibilities are:1. Monitor, accelerate, and evaluate the Asset & Liabilities Growth in 16 Branches among Jakarta Pusat, Jakarta Timur, Jakarta Selatan, Bogor, Depok, Bekasi, Karawang & Bandung, 2. Optimizing Profit by maximizing the Net Interest Margin (managing the lending portfolio rate & Cost of Fund ratio) and minimizing the operational cost specially CKPN (loan provision). 3. Managing Downliner's performance and career path.4. As the holder of credit approval authority for SME and Consumer Segment with Limit Submission up to Rp. 500 Mio Show less

  • Remedial Management & Credit Reposition Dept Head

    Feb 2017 - Jun 2017

  • Retail Business Center Head

    Jul 2016 - Jan 2017

  • Regional Business Development Manager - Business Deputy (Dept Head)

    Mar 2016 - Jul 2016

  • Sales Development Section Head

    Aug 2015 - Mar 2016
• 

  Pt bank oke indonesia

  Jul 2017 - Nov 2018

  1. Planning the direction of credit development based on the company's risk tolerance capability2. Together with business units and risk management, Establish Target Credit Market based on the bank's financial capability.3. Together with business units and risk management, formulate and update Credit Acceptance Criteria for Credit (CAC).4. Conduct periodic sampling reviews on credit accounts already booked.5. Conduct improvement in the credit business process. 6. Evaluate credit risk in each sector of the economy and propose an action plan including risk-based interest policy.7. Organize the team (downlines), their job description, and goal setting to ensure the aim of the department is reached and led them with a clear direction for execution 8. Conduct downlines' performance appraisals by KPI achievement for a remuneration package 9. Special assignment from Credit Review Division Head10. Report directly to the Credit Review Division Head Show less

  • Emerging Market Head

    Mar 2018 - Nov 2018

  • Vice President - Credit Planning & Reposition

    Jul 2017 - Mar 2018
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  Pt bank oke indonesia tbk (ok bank)

  Nov 2018 - Dec 2018

  Vice president sme head

  SME Head

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  Pt bank mandiri (persero) tbk.

  Jan 2019 - now

  In Charge of SME with Portfolio Rp. 9,12 T and Micro Productive with portfolio Rp. 2,86 T as of July 2024.Other responsibilities are the same as in the previous position. Responsible to:1. SME Credit Risk & Portfolio Management (Underwriting process & Post Disbursement Loan Monitoring)2. SME Credit with ticket size up to 10 Bio Approval3. Micro Productive Portfolio Management4. Housing Developer Partnership Approval5. Regional Credit Vendors Approval Committee member 6. L4 & L5 capability development plans & Career path7. Creating a new leader as a successor - Responsible for SME's Credit Policies- Develop and simplify Credit Underwriting Tools- Leads the SME Credit Policy team and coaches them for their career path

  • Jakarta 2 Regional SME & Micro Risk Head

    Feb 2022 - now

  • Bali - Nusra Regional SME & Micro Risk Head

    Jul 2020 - Feb 2022

  • AVP SME Credit Risk & Policy

    Jan 2019 - Jun 2020