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Work Background
AmarthaCredit Operation Sr. Lead
Jan. 2023Jakarta, Indonesia
AmarthaCredit Risk Lead
Nov. 2021 - Dec. 2022Indonesia
GojekPolicy-Commercial
Apr. 2020 - Oct. 2021Jakarta, Indonesia
ModalkuCredit Manager
Jan. 2018 - Apr. 2020Greater Jakarta Area, Indonesia• Evaluate credit applications for SME's, analyzing data from financial statements, credit reference agencies, application forms and other third party sources to arrive at fast, fair, and accurate decisions.
• Ensure validity of customers’ information by site visit or phone verification
• Having knowledge of key issues up-to-date (for example legal, market risk, regulation, and compliance)
• Ensure adherence to the laid down policies and procedures for the smooth running of the division
• Giving feedback and recommendation about current procedural and policy whether implementable or having the gaps
• Identify & provide feedback on potential risk and implement the proposed solutions
• Coordinate with support staff for getting CPV checks done for new customer as well as renewal customers
• Monitor accounts (i.e. cash flows, repayments, account behavior, compliance with covenants stipulated in the terms of approval) and ensure that portfolio is within the acceptable credit & compliance standards
• Undertake regular review and monitor SME book to ensure that any adverse movements are highlighted and rectified proactively
• Undertake regular review and monitoring assessment SME loan process and suggest an improvements.
ModalkuAssociate Credit Area Manager
Nov. 2016 - Jan. 2018Greater Jakarta Area, Indonesia• Evaluate credit applications for SME's, analyzing data from financial statements, credit reference agencies, application forms and other third party sources to arrive at fast, fair, and accurate decisions.
• Ensure validity of customers’ information by site visit or phone verification
• Having knowledge of key issues up-to-date (for example legal, market risk, regulation, and compliance)
• Ensure adherence to the laid down policies and procedures for the smooth running of the division
• Giving feedback and recommendation about current procedural and policy whether implementable or having the gaps
• Identify & provide feedback on potential risk and implement the proposed solutions
• Coordinate with support staff for getting CPV checks done for new customer as well as renewal customers
• Monitor accounts (i.e. cash flows, repayments, account behavior, compliance with covenants stipulated in the terms of approval) and ensure that portfolio is within the acceptable credit & compliance standards
• Undertake regular review and monitor SME book to ensure that any adverse movements are highlighted and rectified proactively.
• Initiate a review for delinquent account, investigate the root cause and giving suggestions for the next actions
PT. BANK NEGARA INDONESIA (Persero) Tbk.Relationship Manager & Analyst fot SME segment
May. 2011 - Nov. 2016Greater Jakarta Area, Indonesia- Conducting a strategy to develop and marketing Banking services in lending for Small and Commercial Business Banking.
- Analyzing and evaluating the credit proposal to achieve lending target personally and team.
- Collecting, verifying, analyzing and evaluating the document that needed to comply the credit documentation requirements.
- Scheduling visit to the debtors or potential debtors and verifying the data.
- Processing qualitative and quantitative verified data to evaluate the assessment of credit limits.
- Mitigating the risk exposures within set risk bearing.
- Building a good Credit structure and credit model which suitable with business plan.
- Interpreting the analysis results and risk mitigation for the board of committee.
- Responsible on the collectibility of portfolio.
- Building a good relationship with potential and existing debtors.
PT. Duta Visual Nusantara Tivi Tujuh (TRANS7)Finance and Cash Management Officer
Mar. 2007 - Mar. 2011Jakarta- Responsible on scheduling payments and receipts both for operational daily activities.
- Doing daily and monthly bookkeeping over operational activities.
- Responsible on assisting the Finance Manager on preparing the financial report monthly.
- Maintaining a good relationship with internal and external vendors.
- Responsible for providing and scheduling payments for in-house News Productions needs.
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