Credit Manager at PT Finansial Integrasi Teknologi (subsidary PT BFI Finance, Tbk) (2024-11 – Present)
- Led the Credit & Risk team in developing productive financing products and Indonesian Migrant Worker (CPMI) financing.
- Formulated Credit Policies, SOPs, Risk Acceptance Criteria (RAC) for new financing products, and regulatory reports for the Financial Services Authority (OJK).
- Developed risk scoring frameworks and assessment models based on 1P+5C criteria.
- Conducted comprehensive legal, credit, economic, business, and social risk assessments for PMI destination countries across Asia and Europe.
- Coordinated with placement agencies (P3MI), banking institutions, regulators, and key stakeholders to ensure full regulatory compliance.
- Strengthened underwriting quality through the implementation of risk-based assessments and data analytics.
- Developed a multi-country risk evaluation framework to support CPMI financing expansion.
- Led new financing product development from feasibility studies to full implementation.
Credit Supervisor at PT Finansial Integrasi Teknologi (subsidary PT BFI Finance, Tbk) (2021-07 – 2024-11)
- Supervised Credit Officers throughout the credit analysis and approval workflow.
- Monitored portfolio quality performance and maintained Credit Process SLAs.
- Executed stress testing on financing products and credit engines.
- Developed credit monitoring systems and dashboards to support strategic decision-making.
- Developed automated credit evaluation engines.
- Initiated portfolio monitoring systems to enhance credit supervision quality and maintain portfolio health.
Credit Development & Credit Officer at PT Finansial Integrasi Teknologi (subsidary PT BFI Finance, Tbk) (2020-02 – 2021-06)
- Performed credit analysis and provided eligibility recommendations aligned with company policies.
- Conducted risk assessments on prospective debtors and targeted business sectors.
- Prepared periodic vintage analyses to identify early indicators of credit quality degradation.
- Executed comprehensive portfolio quality reviews to evaluate collectibility movement trends.
- Built credit dashboards and drafted Product Requirement Documents (PRD) alongside system development documentation.
Business & Product Development at PT Finansial Integrasi Teknologi (subsidary PT BFI Finance, Tbk) (2021-07 – 2024-11)
- Conducted market research for new product developments and existing product enhancements.
- Managed project execution and coordinated across cross-functional teams.
- Engaged prospective strategic partners for PinjamModal products.
- Documented product specifications into Business Requirement Documents (BRD) and Product Requirement Documents (PRD).
Founder at Warungtani.com (2017-10 – 2019-08)
- Founded and scaled the business from ideation and market validation to operational execution.
- Designed the end-to-end business cycle and operational framework for Warungtani.com.
- Established direct supply chain and distribution channels connecting partner farmers with end users.
- Designed business models, marketing strategies, and product development roadmaps.
- Conducted market research and proof-of-concept testing with prospective customers and vendors.
- Engaged target users (farmers and end-users) for the Warungtani.com platform.
- Built strategic partnerships with business partners and prospective investors.
Legal Intern at PT Garuda Indonesia (Persero) Tbk. (2017-07 – 2017-08)
- Assessed consumer protection regulation compliance in scheduled commercial aviation.
Legal Intern at Dirjen Angkutan Udara Niaga - KEMENHUB RI (2017-05 – 2017-07)
- Evaluated consumer protection policy implementations in the scheduled air transport sector.
