Produce, review, and update policies based on credit performance analysis as well as business opportunity and future strategy based on risk return optimization.Perform continuous monitoring on portfolio performance and take necessary actions to ensure the quality of portfolio is within targeted parameter and benchmark.Collaborate proactively with all stakeholders to support overall business initiatives and strategy, including addressing various inquiries from OJK and funding partners, due diligence activities, etc

Produce, review, and update policies and / or procedures based on risk analysis as well as business opportunity and future strategy based on risk return optimizationManage Policy and Procedure Library, Organize numbering of risk policies and proceduresPerform continuous monitoring on portfolio performance and take necessary actions to ensure the quality of portfolio is within targeted parameter and benchmark`Monitor and conduct audit as second line of defense to make sure the policies and procedures are properly implemented, any gaps are promptly identified and mitigated

Credit Risk Management: Led the development and implementation of key credit risk frameworks, including the creation of policies, SOPs, and risk management documents.Risk Infrastructure Development: Managed critical systems such as the Loan Origination System (LOS), Core Systems, and Collection Systems, with an emphasis on KYC and AML compliance.Credit Risk Modeling: Developed and monitored credit scoring models and loss models to ensure accurate risk assessment and mitigation strategies.Risk MIS and BI: Oversaw the management of risk-related MIS and Business Intelligence systems, ensuring the integration of accurate data for risk reporting and decision-making.Portfolio Management: Managed the overall credit risk portfolio and led the Credit Approval Committee, ensuring alignment with business strategies and risk appetite.

Alami Sharia - FintechRisk Analytics & MIS Unit HeadAug 2021 – Aug 2022Risk MIS and Reporting: Delivered regular risk reports, focusing on credit portfolio analysis and monitoring key risk indicators.Risk Portfolio Analysis: Supported both business and policy development by providing data-driven insights through portfolio analysis and forecasting.Risk Modeling: Managed and developed credit scoring models, including grading and loss models, ensuring the continuous improvement of risk prediction and management capabilities.Infrastructure Management: Led the enhancement of key infrastructure systems such as Loan Origination, Core Systems, Collection Systems, and ensured AML and KYC adherence.Ad-Hoc Risk Analytics: Provided risk analysis support for ad-hoc projects, contributing to the organization’s broader risk management objectives.

Business and Consulting Partner: Acted as a strategic advisor to clients, providing high-level consulting services in risk management and financial systems.Networking & Relationship Building: Built and maintained a robust network within the financial industry, facilitating new business opportunities.Project Management: Led consulting projects, managing people and resources efficiently to meet client objectives and deliver measurable outcomes.

Risk MIS and Reporting: Led the development of comprehensive risk management information systems (MIS) to streamline reporting processes and ensure accuracy in data reporting.Risk Portfolio Analysis: Provided key insights through regular portfolio analysis to support policy formulation and business decision-making.Risk Modeling: Developed and maintained credit scoring models, including grading and loss models, to enhance credit risk assessments.Infrastructure Development: Spearheaded the design and enhancement of core infrastructure systems, including Loan Origination, Collection Systems, and KYC/AML systems.

KPI Management: Managed the KPI Incentive performance for the retail banking division, ensuring performance metrics were accurately calculated and aligned with incentive schemes.Reporting and Monitoring: Delivered daily and monthly reports on sales performance, ensuring that reports adhered to Service Level Agreements (SLAs).Feedback to Business Teams: Provided insights and feedback based on performance analysis to improve business strategies and product alignment.

KPI Incentive Monitoring: Managed the daily monitoring and reporting of KPI-based performance, providing analysis and feedback to both the business team and management for strategic planning.MIS Database & Reporting Tools: Maintained and improved the MIS database, enhancing reporting tools for better data analysis and reporting accuracy.

Managed process support in financial service credit - unsecured- Division. Process support in incoming application recieve, pre Phone Verification, Phone Verification, Occular (field) check administration, bank rating, outgoing application

Prepare periodicaly report for collection retail credit managementDo analysis on collection productivityDo analysis on collection strategic

Portfolio Quality Review: Conducted regular quality reviews for the unsecured loan portfolio, ensuring risk levels were monitored and managed efficiently.Credit Line Decrease Score Model: Developed a scoring model to optimize credit line decreases for credit card products, balancing risk and customer engagement.Cross-Sell Program Analysis: Analyzed cross-sell programs, such as Loan to Loan and Funding to Loan, identifying opportunities to increase portfolio profitability.Portfolio Management System: Led the preparation of the Portfolio Management System (PROBE), ensuring logic, variables, and capacity planning were optimized.Risk Modeling: Conducted in-depth analysis of customer behaviors and created risk models to mitigate potential losses, enhancing risk management efforts.

Monitoring and Review Retail Banking Portfolio Performance.Retail Banking Portfolio AnalysisBuild new propensity model to make monthly quality lead for cross sales program.Customer profile insight (Funding and Lending Product)

Review credit policy, procedure and manual especially for secured credit such as Mortgage and Vehicle loan. Monitoring on product CAP and NPL. Risk Analytics for secured loan product.Produce regulatory report such as KPMM/CAR, Risk In Banking Book, Sensitivity to market, risk, Risk Profile and CAMELS

Analyst all unsecured credit proposal that come to credit processing. Make operational procedure for data entry and prescreen process. Designing new LOS System and analyst database for the management Supervise 4-5 Staff for Data Entry, Verification, PrescreenProject :o Loan Origination System, System maintenance and parameter configuration in OCBC Bank.o Preparing Standard Operational Manual and Procedure for the LOS (OCBC Bank)o Responsible in UAT Team for Loan Operational and Loan Collectiono Loan Automation Checking.( OCBC Bank)o SID Automation checkingo AML (Anti Money Laundry) Automation Checkingo Application data entry upload file programo Phone verification origination system

Redesign Loan Origination System in Enhancement Phase, Analyst all the user needs for better system.Analyst All Consumer (Mortgage) Credit proposal that come to credit processing, and make the Memo Review for the credit Approval

Verification document – verifying all credit document from sales and branch office Data entry – input all application data to Loans Operating System Bank Mandiri.Credit Analyst – analyst and verification all the credit documentMIS - UAT Loans Origination System Phase 2 .NET VersionWriting Standard Operation Manual Loans Origination .NET Version System Bank Mandiri.Making report from the system for all department.