Anton Bagasw

Results-driven Finance Professional with over 4 years of experience in financial risk management, credit risk assessment, and internal control monitoring, with a strong track record in cross-functional compliance coordination and operational decision-making. Demonstrated expertise in building KAFPEDIA, a digitalized internal monitoring and control system tracking real-time risk indicators across commodity sectors including Coal, CPO, Forestry, Nickel, and Gold. Experienced in supporting risk mitigation frameworks through PDCA ASTRA Planning Cycle.

Proficient in Power BI for data visualization and executive reporting to support strategic decision-making.

• Credit Reviewer at Hexa Finance Indonesia (ITOCHU Group) (2025-11 – Present)
• Conducted comprehensive financial analysis and credit risk assessments for corporate customers, ensuring alignment with Hitachi industrial product portfolios and internal risk appetite.
• Supported internal control review processes by ensuring credit documentation and risk assessment procedures align with regulatory compliance standards.
• Performed in-depth industry and regulatory analysis to evaluate the impact of market volatility and shifting government policies on customer business continuity.
• Developed cash flow projections and financial models to assess the repayment capacity and viability of large-scale corporate financing projects.
• Developed qualitative and quantitative data into actionable credit recommendation reports, providing strategic insights to the Credit Committee.
• Monitor industry-specific macroeconomic indicators to provide early warning signals on portfolio health.
• Corporate Credit Analyst at BNI Finance (Bank BNI Group) (2024-02 – 2025-10)
• Determined optimal credit facility limits for corporate customers by conducting debt capacity assessments and financial health evaluations.
• Executed end-to-end financial statement and risk-based appraisals to ensure the feasibility of loan applications.
• Evaluated customers business models and external market variables to identify potential credit risks and ensure alignment with BNI risk appetite.
• Developed comprehensive cash flow models to project future repayment ability.
• Managed the end-to-end credit approval process by preparing credit report and presenting the results to the Credit Committee for strategic facility approval.
• Led the Document Automation project initiative to digitize financial data extraction, significantly increasing operational efficiency and reducing manual data entry errors and strengthening internal control mechanisms and fraud detection in alignment with GCG principles.
• Industry and Corporate Credit Analyst at Komatsu Astra Finance (Member of ASTRA) (2021-12 – 2024-01)
• Conducted a prudent analysis regarding customer financial statements, business operational model, and customer background research to provide credit facility approval and credit condition, as well as presented to the credit committee.
• Conducted financial modeling to deep analysis of customer investment plan, repayment schedule, and loss default probability.
• Monitoring company database and customers' business performance to observe the eligibility of existing facilities so that KAF's business risks are well managed.
• Conducted regular monitoring of market and prices commodity of mining, forestry, and agriculture through the Bloomberg Terminal for monthly reports to the company management.
• Responsible for the Plan Do Check Action Team in ASTRA Planning Cycle for planning, monitoring, and mitigating the company's strategic performance.
• Developed KAFPEDIA, an integrated internal monitoring and control system enabling real-time risk surveillance, market data consolidation, and portfolio risk reporting, supporting management's decision-making and early warning detection aligned with risk governance framework.
• Teaching Assistant & Research Enumerator at Universitas Sebelas Maret (2021-02 – 2021-07)
• Teaching Assistant: Facilitated practicum sessions for Econometrics courses, mentoring students in econometric methods, data validation, interpreting complex regression models, and quantitative research techniques for Agriculture Economics analysis.
• Research Enumerator: Executed primary data collection and field interviews for the research project: "Mitigation of COVID-19's Impact on Poverty and Income Distribution in the Bengawan Solo Watershed", ensuring high data integrity for complex economic modeling.
• Project Department Coordinator at International Association of Student in Agricultural and Related Sciences (2019-01 – 2019-12)
• Directed the execution of five major organizational development programs using the OKR (Objectives and Key Results) framework.
• Led community empowerment initiatives for "Desa Binaan" (fostered villages), overseeing sustainable agricultural projects and local economic development programs.

Bachelor in Agriculture Economics – Universitas Sebelas Maret

Exchange Student in Economics & Entrepreneurship – Kasetsart University Thailand