Danu Pate Email & Phone Number

Jakarta, Indonesia

• Engaged good and comprehensive communication with investor (bond holder, equity, analyst, potential investor) to keep on updating company’s perfomance and corporate action plan.• Provided holding projection budget through base case scenario to be used as investor guidance.• Engaged & coordinated with credit ratings (Pefindo, S&P, Fitch) as part of compliance process related to company’s rating and bond’s rating.• Involved in refinancing process of bond re-tap and closely coordinating with trustee, bank underwriter, book runner, etc to arrange end to end process of bond issuance.• Provide peer benchmarked as part of monitoring competitor in term of financial performance and marketing strategy.• Arranged investor gathering/ roadshow, AGMS, public expose as well as preparing annual report and sustainability report.• Media liaison as corporate external communication to give positive leverage/ catalyst in term of company’s projects and corporate action.• Provided board of management meeting presentation as shareholders’ monthly monitoring.

Greater Jakarta Area, Indonesia

• Set up new Multifinance company as recurring revenue stream for holdings. This stage encompasses setting up initial SOP (Application Process, Credit underwriting, Disbursement, Collection), permit of OJK, Partners engagement (Property developers, Digital aggregators, Property Brokers) & Suppliers engagement (IT support system, General Insurance, Life Insurance, Appraiser, Notary, etc).• Start-up organization with 30 personnel including BOC/BOD, with Jabodetabek coverage area as initial plan.• Indirect P&L monitoring by close coordinating with collection (cost of credit) and finance department (cost of fund).• Divided 2 market segment of low-cost housing & premium housing with attractive interest rate jugglery (Fix & Cap interest rate) with controllable IRR.• Created an excitement campaign as unique selling proposition among competitors. Campaign of “Buying House with complete set of Furniture & Electronics”. This campaign has stimulated property developers to sell our financing products as we provide additional value for customers.• Developed and launched others financing products such as factoring (with recourse) & working capital for internal group/ subsidiaries as initial plan. Set up financing scheme and mechanism of discount factor and term of payment.• Implemented vigilant credit risk analysis policy and procedures for both retail and corporate customers. Adopting the 5C credit risk framework (character, capacity, capital, collateral, condition) - includes verifying income through bank transactions/ statements and validating facts of income information for unbankable customers.• Performed fundamental financial analysis for corporate clients through audited financial statements and bank account transactions. Analysis includes financial ratios to assess the borrowers’ financial health/ ability to repay assessment such as liquidity ratio, leverage ratio, activity ratio, rentability ratio, profitability ratio and cash flow health.

Greater Jakarta Area, Indonesia

• In charged of 4 Regional Sales Managers, Marketing & Product Strategic, with 200 credit marketing officers under supervisions.• Maintained & increased product penetration and market share by excellent dealership management to keep 25% of Nissan market share & 55% of Datsun market share in Indonesia. The sales (car flow) of Nissan-Datsun principal was deteriorating and directly impacted to the sales finance performance. The strategy was to keep maintaining market share as Nissan-Datsun captive financing. Sales finance book was deteriorating to 400 unit per month (72 bio per month).• Developed and executed marketing strategies to deliver customer programs and Nissan Value Chain (value proposition) such as free car insurance & car maintenance.• Maintained business IRR by mapping/ manage portfolio of each financing products, monitoring insurance revenue stream by actively engaged with insurance partner, monitoring the competitiveness of provision & administration fee, cost control of marketing/ acquisition budget. • Created dealer tour program and incentives tactical program to keep on competitive in the market

Wtc 2 23Rd Fl Jl. Jend. Sudirman

- Development of tactical and process of NTB PBP+ to increase number of account and balance- Develop process in term of NTB PBP+ operation wise- ASTRA group synergizing in term of payment suppport and value chain benefit- Maintain and to be based lead to increase Trading Profit- Maintain account and creating leads in term of cross selling product to increase trading profit- Enhance payment process and services in order to support counterpart core business- Create an excellent synergy with PermataBank branches (network) in order to execute and monitoring program related to Non Funding income- Conduct project of CASA opening by system (hose to hose)

Jabodetabek & Greater

- Monitoring of account receivable and collectibility of portfolio- Mitigation of bad rate area and WO customer- Close and rapid monitoring of collection management in every stages of collection bucket - Rapid review the progress of current method and mechanism according to market behavior- Maintain and to increase the penetration and market share credit portion through dealer 's sales performance as captive financing partner- Enhance service level to customer (dealer) by monitoring SLA of end to end application process and to provide best solution to mitigate dealer's inquiry- To make sure marketing program in term of financing packages are well socialized and well executed in dealer and to end user customer- Monitoring and creating strategy in order to achieve sales target and sales productivity- Analyze competitor program in term of process, rate and financing component in order to create different strategy as mitigation action- Sales troops training and recruitment in order to get high qualification as per dealer's expectation- Compose motivational program as a drive to stimulate the number of sales and to stimulate dealer's appetite to increase our our market share- Reporting weekly- monthly sales performance, key of success, progress of program- Manage budget of region expense including exhibition support, prestigious event, marketing collateral, entertaiment, etc

Jabodetabek - Greater Jakarta

- Maintain and to increase the penetration and market share credit portion through dealer 's sales performance as captive financing partner- Enhance service level to customer (dealer) by monitoring SLA of end to end application process and to provide best solution to mitigate dealer's inquiry- To make sure marketing program in term of financing packages are well socialized and well executed in dealer and to end user customer- Monitoring and creating strategy in order to achieve sales target and sales productivity- Analyze competitor program in term of process, rate and financing component in order to create different strategy as mitigation action- Sales troops training and recruitment in order to get high qualification as per dealer's expectation- Compose motivational program as a drive to stimulate the number of sales and to stimulate dealer's appetite to increase our our market share- Reporting weekly- monthly sales performance, key of success, progress of program- Manage budget of region expense including exhibition support, prestigious event, marketing collateral, entertaiment, etc

Jakarta

Deliver number of sales target, in term of card's approval of affluent customer· Manage and expand exhibition location in Jakarta nor upcountry location· Work closely with third party; agency in term of number of capacity and sales productivity· Create monthly sales strategy in order to achieve number of sales target· Monitor sales report and come up with mitigation action as a quick kill solution to keep on track of number committed· Mapping sales team according to capacity and productivity to be allocated to different area and type of sales exhibition· Work closely with partnership department to conduct acquisition booth· Maintain a good relationship with many spot of exhibition such as restaurant, mall, airport lounge, hypermarket to support card exhibition· Analyse end to end of sales process to make sure the numbers are successfully delivered · Etc

Jakarta

Maintain Sales Team in order to reach the number of company's monthly target of card's acquisition.· Conduct monthly meeting to discuss target and initiatives of each Junior Supervisor and Team leader.· Guide and assist Junior Supervisor of Exhibition sector to maintain their performance by recruiting sales agent constantly every month, selecting strategy of exhibition, selecting an event of exhibition by considering traffic, eligible level of customer and amount of troops that we possessed.· Maintain performance tracking of troops, by making report every month according to the ABU's System.· Report and make presentation in front of Manager's every Month to convey the result target every month and strategy to be taken after.· Etc.

Carribean - Alaska

The responsibility was to ensure all amenities of cabin, chemical, light equipment that was used in housekeeping department were well supplied during 7- 12 days of cruise.· Conduct cabin inspection, in order to maintain the standard of Holland America culture.· Arrange and manage the flow of housekeeping crew member work schedule.· Inspect the defects of all properties of the ship, and report it to all related department. And get it fixed as soon as possible by making job order in system.· Managing the inventory of housekeeping properties and report it to chief housekeeper.· Etc.

Solo Based

Enrolled as Hajj flight attendant for one season of Hajj pilgrimage. In general, I was conducting the safety and service during the flying time on aircraft. · Ensured the safety which was including pre-flight, in-flight, and post flight. Mastered to all equipments and procedures of safety which was very useful to be used in such of delicate situation (emergency situation).· Giving up the outstanding service to the passengers during the journey without decreasing the value of safety procedure for itself.