Zuhan Eka Lutfian

Results-driven finance and sales professional with 9+ years of progressive experience across Islamic banking, consumer finance, and B2B sales. Proven track record in credit analysis, portfolio management, and business development. Holds a Master's degree in Management (GPA 3.59) with published academic research. Adept at building strategic client partnerships, streamlining credit processes, and delivering measurable revenue outcomes in fast-paced, target-driven environments.

Sales Area Representative at KOPKARLA (2024-06 – 2025-03)

• Expanded regional client base through proactive prospecting and strategic territory management.
• Delivered tailored product solutions that strengthened long-term customer retention and loyalty.
• Consistently met and exceeded monthly sales targets across assigned coverage area.

Credit Marketing Officer (CMO) at PT. Adira Dinamika Multi Finance (2022-05 – 2024-01)

• Originated and processed consumer credit applications with rigorous risk and feasibility analysis.
• Cultivated a network of 30+ dealer and showroom partners, increasing referral volume by 25%.
• Maintained NPL ratio below company benchmark through proactive debtor monitoring and management.
• Conducted comprehensive credit analysis of prospective debtors to minimize portfolio risk exposure.

Sales & Marketing Executive at PT. Kebakkramat Elang Perkasa (2022-01 – 2022-03)

• Drove B2B product sales to project-based corporate clients, consistently meeting quarterly targets.
• Prepared detailed sales performance reports to support management strategy and decision-making.

Frontliner Officer at BPR Bank Jogja (2018-01 – 2018-04)

• Delivered accurate, efficient teller services for high-volume daily banking transactions.
• Ensured full compliance with banking procedures for deposits, withdrawals, and fund transfers.

Back Office Intern at BPRS BDS (Bank Syariah BDS) (2015-07 – 2015-08)

• Prepared and reviewed detailed financial reports; reconciled accounts payable and receivable.
• Maintained and controlled company administration files in accordance with internal standards.

Teller & Marketing Intern at BMT At-Ta'awun (2015-06 – 2015-06)

• Provided front-line customer service for financial transactions and resolved account discrepancies.

Master of Management in Management – Indonesian Islamic University (Universitas Islam Indonesia) (2018 – 2023)

Bachelor of Islamic Economics in Islamic Economics – Indonesian Islamic University (Universitas Islam Indonesia) (2012 – 2017)