Andu Basuki

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.

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