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Work Background
Portfolio & Risk AnalyticsStrategic Portfolio Advisory
Jan. 2026Jakarta, IndonesiaProviding structured portfolio and risk analytics support to early-stage digital lenders seeking improved visibility and growth control. Focus areas include: • Portfolio health diagnostic & KPI structuring • Risk performance dashboard design (NPL, cohort, cost of credit) • Growth–risk imbalance analysis • Early warning monitoring framework • Underwriting process visibility mapping Engagement model: remote, project-based and fractional advisory. This initiative complements my 15+ years of leadership experience in banking and fintech risk management.
AwanTunaiHead of Risk Supplier
Apr. 2024 - Dec. 20251. Leading the underwriting team and also for on-boarding/acquisition team 2. Leading QA risk team and data analyst team 3. Developing and improving tools and or dashboard that uses in the team so that can help and optimizing the process within the team 4. Work closely with product teams, data science teams to create or improve digitization processes 5. Coordinate with other functions related to the intent of the inventor/lender/regulator etc
AwanTunaiCo Head of Antifraud and Risk Supplier
Dec. 2021 - Apr. 2024Jakarta, Indonesia1. Giving insight and concept in the development for new program or product to anticipate fraud activities and possible to improve or simplify the process, coordinating across function. 2. Developing and improving anti-fraud process so it can be more simultaneous from data retrieve and calculations until it assigned to investigator and getting the investigation result. Same as in risk supplier process so that it can support digitization process to support business growth. 3. Developing tools and reports whether frequent report or adhoc for management or across function. Including preparing necessary analysis for related subject. 4. Suggesting and implementing new technology or feature to help identifying fraud activities or procedural violation.
Home Credit IndonesiaAntifraud Analyst Senior Manager
May. 2018 - Dec. 2021Jakarta, Indonesia1. Managing Antifraud Analyst team so every reports will be delivered in appropriate time with minimum mistake and projects was being done in timely manner. 2. To seek optimization in the process to increase the performance beside that try to seek new parameter that can be use as predictor. 3. Coordinate with sales, collection and security team to maintain sales coverage area. 4. Monitoring and review sales agent and point of sales performance base on triggers. 5. Conduct Ad Hoc Analyst for suspicious concentration whether in certain area or goods or sales etc.
PT. Bank CIMB Niaga, TbkConsumer Credit Risk Analytics for Mortgage
Feb. 2014 - Jun. 2018Head Office (Sudirman)Responsibility: 1. Managing IDR 25 Trillion mortgage portfolio in healty credit quality and optimum profitability by calculating and monitoring RAROC, Acq RAROC dan Risk Coverage. 2. Monitor portfolio thru monthly heat map and portfolio quality review. 3. Monitoring loss performance (NBD/CoC). 4. Co-operating with modeling team to provide data for mortgage scoring model and right now in the process to implement. 5. Preparing dan calculating stress test for retail product either for Group, BNM or BI purpose. 6. Managing credit process model enhancement included implementing new system and robust current credit process to centralization.
PT. Bank International Indonesia, TbkVehicel Portfolio Consumer Support
May. 2010 - Feb. 20141. Create, review, recommend, circulate and present Product Program for Auto Loan. 2. Loss control and monitoring : - Manage and monitor product losses (NBD)within AOP budget through weekly delinquency, PQR, MBR, etc - Monitor, give feedback and control on bad segment customers - Total Loan Portfolio, New Volume Booking, Vintage and Tenor Analysis, - Delinquency report in 30+, 60+ and 90+, Auto Loan Product segment. - Review and recommend the policy and product program Joint Financing 3. Data processing, enhancement and parameter setup for Auto Loan Portfolio (Joint Financing)
PT. CIMB Niaga, tbkCredit Risk Analyst & Monitoring Officer
Nov. 2008 - Oct. 20101. Coordinating and generate Asset Quality Report for bankwide's commercial loan. The report contains such as Total Loan Portfolio, BI’s Industry Classification, Top 10 Largest Group, Top 10 Largest Debtors/Borrowers, NPL’s movement, Top 5 Repayment and Drawdown. 2. Coordinating and generate Risk Report (Jump To Default Profile) 3. Coordinating and Executing Stress Test.
PT. CIMB Niaga, tbkCommercial Procedure & Enhancement Officer
Nov. 2008 - May. 2009Developing credit process for commercial loan. Achievement : Developing template form for credit proposal. Developing template form for credit review memo. Developing template form for credit checklist. Developing template form for trade checking.
PT. CIMB Niaga, tbkCommercial Procedure & Enhancement Officer
Nov. 2008Developing credit process for commercial loan. Achievement : Developing template form for credit proposal. Developing template form for credit review memo. Developing template form for credit checklist. Developing template form for trade checking.
PT. Lippo Bank, tbkCredit Control Officer
Dec. 2006 - Nov. 20081. Checking Credit File to assured administration compliance. 2. Monitoring and Reporting past due Loan 3. Monitoring due date payment. 4. Identifying Potential NPL. 5. Executing Loan Semi Annually Review. 6. Supporting in Loan Portfolio Report. 7. Responding for Audit Comments
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