Kautsar Haykal

I am an undergraduate Management student with strong skills in Finance, Investment, and Entrepreneurship. With deep enthusiasm for these three areas, I possess a solid understanding of accurate financial analysis, effective investment strategies, and the ability to develop innovative ideas to advance businesses. I am known as a hardworking individual with high determination and a strong sense of responsibility in fulfilling every obligation.

Risk Underwriter Internship at Atradius Indonesia (2026-01 – Present)

• Analyzed buyer limit applications by evaluating financial statements, trading experience, firm orders, and credit reports to support underwriting decisions.
• Managed and completed an average of 25 buyer cases per week across Southeast Asia markets, primarily Indonesia and Thailand.
• Supported credit risk analysis for buyer portfolios with approved exposure limits of up to EUR 10 million by identifying key financial and credit risk indicators.
• Collaborated with Account Managers and Underwriters across multiple countries to ensure accurate risk evaluation and alignment on credit decisions.
• Handled multiple administrative systems (CMS, Invoicing, Seasup, Outlook, etc.) to support underwriting processes and maintain data accuracy.

Asset Maintenance Internship at Bank Indonesia (2024-07 – 2025-10)

• Resolved 25 issues and successfully collaborated with Civil and Housekeeping vendors to find solutions within the Building Management work program.
• Achieved an 80% improvement in RMS document input performance through workflow analysis.
• Processed ERP payment submissions for vendors and compiled comprehensive payment data reports to get process payment.
• Tracked, organized, and edited over 20 archive folders to ensure audit readiness and compliance with internal documentation standards.

Financial Management Internship at KB Bank Bukopin Tbk (2025-01 – 2025-07)

• Verified and processed over 50 payment memorandums daily to ensure accuracy and compliance with internal financial procedures.
• Consolidated and analyzed financial data including budget allocations, execution transaction details, official residence rental payment, departmental branch codes, and UMB identification.
• Assisted in archiving and identifying journal entries to support accurate financial reporting and QA readiness.

Undergraduate in S1 Manajemen – Universitas Negeri Jakarta (2022-08)

High School Diploma in IPS – SMAN 27 Jakarta (2019-07 – 2022-06)