Easter Tobing

Enterprise Digital Transformation and Implementation Leader with over 25 years of experience delivering complex IT-driven initiatives across banking and financial services. Proven track record in leading end-to-end project execution, digital platform implementation, vendor integration, and cross-functional service delivery in regulated environments. Experienced in managing multi-stakeholder programs, onboarding enterprise clients, coordinating technology and business teams, and ensuring timely go-live of digital products and ecosystem partnerships.

Strong background in bridging business requirements with technical execution to drive scalable SaaS-style solutions and customer-centric transformation.

Associate Director – Digital Business at Bank Artha Graha Internasional (2025-01 – Present)

• Lead end-to-end digital banking implementation initiatives, coordinating IT, operations, compliance, and vendor teams across retail and SME segments.
• Managed digital platform enhancements ensuring system readiness and seamless client onboarding for mobile banking and merchant partnerships.
• Oversaw cross-functional project delivery aligned with regulatory and operational standards; directed stakeholder governance and implementation roadmaps.
• Drove data-driven marketing campaigns and digital product development to accelerate customer acquisition growth.

Group Head of Digital Business Partnership (SVP) at Allo Bank Indonesia (2022-01 – 2024-12)

• Led end-to-end lifecycle management of digital partnership projects from requirement gathering to go-live deployment, managing 10+ ecosystem integrations.
• Coordinated technology vendors and internal engineering teams for feature rollout and API integrations, ensuring on-time delivery of market-leading digital banking features.
• Managed onboarding processes for ecosystem partners, governing SLA adherence, service delivery performance, and compliance standards.
• Contributed to ecosystem monetization strategy through data-driven product development and digital marketing execution.

Head of Priority Banking & Mass Market Segment Acquisition at Bank Mega (2018-05 – 2022-01)

• Developed and led customer acquisition strategy for high-net-worth individuals and mass market, driving liabilities growth across digital and branch channels.
• Created tailored product campaigns leveraging customer data analytics; managed go-to-market execution for multiple customer segments.
• Collaborated with digital product and IT teams to optimize channel performance and launch new digital acquisition initiatives.

Head of Priority & Emerging Segment Proposition at Bank OCBC (2015-04 – 2018-05)

• Oversaw product proposition and roadmap for digital banking products, collaborating across Product, Marketing, and Sales to meet acquisition targets.
• Led new-to-bank (NTB) customer strategy through corporate client relationships and designed workplace banking programs with customized financial solutions.

Head of Consumer Lending Product Development at Bank Sahabat Sampoerna (2014-06 – 2015-04)

• Led product innovation for Auto Loan, Mortgage Loan, and Personal Loan lines; streamlined end-to-end income and pricing strategies.

Head of Unsecured Lending Acquisition – Credit Card & Personal Loan at Bank Permata (2010-01 – 2014-06)

• Managed direct sales, tele sales, and cross-sell programs; executed national marketing campaigns and led channel vendor partnerships.

Manager, Collection Credit Risk Management at HSBC Indonesia (2006-07 – 2010-01)

• Led consumer finance and collections process implementation; developed compliance, AML, and performance management frameworks.

Commercial Relationship Manager at Bank Negara Indonesia (BNI) (2001-01 – 2006-06)

• Handled credit underwriting, commercial client acquisition, and business development across multiple corporate accounts.

PhD in Doctoral Program – Strategic Management – PERBANAS Institute (2024)

Master of Management in Communication – University of Indonesia (1999 – 2002)