Agung Pramono

My name is Agung Pramono S.Kom, i am a product development specialist at private bank in indonesia, i am a flexible and experienced Credit Processing with more than 7 years experiences in Credit Processing. I am a hard worker, honest individual, and low supervised worker. I am a good timekeeper, always enthusiastic to learn and undertake new challenges.

Product Development Specialist - Bank OCBC

(2023-01)

• Led end-to-end product development lifecycle including market research, requirement gathering, system design, UAT, and production launch for retail banking products.
• Conducted customer & competitor analysis to identify product gaps and opportunities, contributing to enhancement of existing products and development of new offerings aligned with market demand.
• Collaborated cross-functionally with IT, Operations, Compliance, Risk, and Sales teams to ensure smooth product implementation and regulatory compliance.
• Supported system development initiatives including business flow design, UAT coordination, user socialization, and go-live execution.
• Delivered product training and knowledge sharing sessions to sales and support teams, improving product understanding and sales readiness.
• Provided sales enablement support through product documentation, pitching materials, and customer solution design.
• Handled product-related customer inquiries and issue resolution to maintain service quality and customer satisfaction.

Credit Analyst - Bank OCBC

(2017-01 - 2023-01)

• Conduct comprehensive credit analysis by reviewing customer documentation, verifying data completeness, and gathering financial information from prospective and existing customers.
• Analyze and interpret financial statements, cash flow, and transaction history to assess borrower creditworthiness and repayment capacity.
• Perform initial screening of applications and supporting documents, ensuring compliance with internal credit policies and regulatory requirements.
• Execute BI Checking / credit bureau inquiries and maintain customer credit data for new and existing portfolios.
• Calculate account mutations based on customer savings and transaction records to evaluate income consistency and financial behavior.
• Provide credit recommendations (approve, revise, or reject) based on quantitative and qualitative risk assessment.
• Monitor credit portfolios to identify early warning signals and potential default risks.
• Develop mitigation strategies to improve loan quality and support recovery initiatives for problematic accounts.
• Coordinate with Risk Management and Credit Committee to support credit decision-making processes.
• Prepare credit reports and portfolio monitoring summaries for management review.
• Support system enhancement projects through User Acceptance Testing (UAT) and reporting activities.
• Supervise junior team members and assist in daily operational monitoring to ensure service quality and SLA achievement.

Credit Relation Manager - Adira Multifinance

(2016-01 - 2017-01)

• Distribute data to tellesales, Collect, store, and analyze customer data to ensure accuracy and up-to-date information.
• Monitoring sales car loan, Design, implement, and monitor targeted marketing campaigns based on customer segmentation.
• Canvasing product in even, Provide training and support to internal teams on CRM system usage and best practices in customer interaction

Loan Processing Officer (Contract) - Permata Bank

(2012-01 - 2016-01)

• Conducted initial credit assessment by gathering and verifying financial information from prospective customers.
• Reviewed, assessed, and interpreted customer financial data (income, expenses, liabilities) to support creditworthiness evaluation.
• Performed preliminary credit decisions (approve / reject) based on internal lending criteria and risk guidelines.
• Screened customer applications for document completeness, accuracy, and validity, ensuring all mandatory fields were properly fulfilled.
• Checked data entry outputs and recalculated customer income to validate repayment capacity.
• Conducted duplicate checking and SLIK (credit bureau) verification to identify existing obligations and potential credit risks.
• Maintained and updated existing customer records upon request to ensure data integrity and portfolio accuracy.
• Supported credit analysts and approval teams by preparing complete loan application packages and summaries.
• Assisted in reducing operational risk by ensuring compliance with internal procedures and documentation standards.

HR Officer (Contract) - Permata Bank

(2011-01 - 2012-01)

• Managed employee administration including personnel records, attendance, leave management, and HR documentation to ensure data accuracy and compliance with company policies.
• Supported recruitment processes by screening CVs, scheduling interviews, and assisting in candidate evaluation.
• Coordinated onboarding activities for new employees, including preparation of employment documents and orientation sessions.
• Assisted in payroll data preparation by validating attendance, overtime, and employee information prior to processing.
• Handled employee inquiries related to HR policies, benefits, and administrative matters.
• Maintained updated employee databases and ensured confidentiality of personnel information.
• Supported performance appraisal administration and HR reporting for management review.
• Acted as liaison between employees and management to support smooth communication and operational efficiency.

Magister - Sistem Informasi - Universitas Budi Luhur, Fakultas Ilmu Komputer, Jurusan Sistem Informasi (2024-01)

Sarjana - Sistem Informasi - Universitas Mercubuana, Fakultas Ilmu Komputer, Jurusan Sistem Informasi (2006-01 - 2011-01)

SMA - SMA N 5 Tangerang (2001-01 - 2004-01)

SMP - SPMN 2 Tangerang (1998-01 - 2001-01)

SD - SDN PD Aren 6 Tangerang (1994-01 - 1998-01)