Dion Yohansyah Pratama Email & Phone Number

South Jakarta, Jakarta, Id

Jakarta Selatan, Jakarta Raya, Indonesia

Managed the credit analysis process for more than 20 branches across the Sumatra region, focusing on new motorcycle financing and cash loans with motorbike collateral.Conducted centralized credit evaluations, ensuring consistency in credit assessment across all branches while maintaining compliance with company policies and regulatory standards.Reviewed and approved high-volume loan applications, assessing customer creditworthiness based on financial documents, collateral… Show more Managed the credit analysis process for more than 20 branches across the Sumatra region, focusing on new motorcycle financing and cash loans with motorbike collateral.Conducted centralized credit evaluations, ensuring consistency in credit assessment across all branches while maintaining compliance with company policies and regulatory standards.Reviewed and approved high-volume loan applications, assessing customer creditworthiness based on financial documents, collateral verification, and credit history.Collaborated with branch managers and sales teams to streamline the credit approval process, reducing turnaround time and improving customer satisfaction.Monitored the performance of branch credit portfolios, identifying trends and potential risks, and implementing strategies to mitigate defaults.Provided guidance and support to branch credit teams, ensuring proper credit risk assessment and adherence to the company's credit policies.Prepared detailed credit performance reports for senior management, including analysis of key metrics such as loan approval rates, default rates, and portfolio growth.Developed and implemented strategies to optimize credit policies, enhancing risk management and improving the overall efficiency of loan processing.Conducted credit audits to ensure compliance with internal controls and regulatory requirements, identifying areas for improvement and providing solutions.Coordinated with the risk management team to address high-risk cases and resolve any discrepancies in credit assessments across the branches. Show less

Jambi, Jambi, Indonesia

Conducted creditworthiness analysis of customers by evaluating supporting documents such as vehicle registration certificates (BPKB), pay slips, and credit history.Ensured verification of customer data and documents, including validating the authenticity of BPKB and identity documents.Assessed credit risk and provided recommendations for credit decisions based on the customer’s financial profile and pledged assets.Monitored ongoing loans and identified potential risks of… Show more Conducted creditworthiness analysis of customers by evaluating supporting documents such as vehicle registration certificates (BPKB), pay slips, and credit history.Ensured verification of customer data and documents, including validating the authenticity of BPKB and identity documents.Assessed credit risk and provided recommendations for credit decisions based on the customer’s financial profile and pledged assets.Monitored ongoing loans and identified potential risks of default.Collaborated with internal teams to ensure the credit application process and fund disbursement were in line with company SOPs.Prepared and presented credit analysis reports to management on a regular basis.Performed credit history checks through BI Checking and SLIK OJK to evaluate the creditworthiness of customers.Negotiated credit terms with customers, including interest rates, payment terms, and down payments, tailored to their financial capacity.Managed non-performing loans (NPLs) by providing restructuring solutions or repossessing collateral if necessary.Ensured compliance with OJK regulations and internal policies regarding credit risk management. Show less

Palembang, Sumatera Selatan, Indonesia

Participated in a Supervisor Development Program with a focus on credit risk management and operational supervision in motorcycle financing and loans with vehicle registration certificates (BPKB) as collateral.Led and supervised a team of 6 surveyors, providing guidance and direction in conducting field surveys and verifications related to customer credit applications.Managed creditworthiness evaluations by reviewing field survey results, BPKB documents, and financial reports… Show more Participated in a Supervisor Development Program with a focus on credit risk management and operational supervision in motorcycle financing and loans with vehicle registration certificates (BPKB) as collateral.Led and supervised a team of 6 surveyors, providing guidance and direction in conducting field surveys and verifications related to customer credit applications.Managed creditworthiness evaluations by reviewing field survey results, BPKB documents, and financial reports, ensuring data accuracy before making credit decisions.Collaborated with teams to optimize the survey and credit assessment process, improving team efficiency and reducing credit application processing times.Conducted regular performance monitoring and evaluation of surveyors, providing feedback and training to enhance the quality of field surveys and data validation.Prepared and analyzed survey reports and credit data to support strategic decision-making in the credit approval process.Ensured compliance with company credit policies and regulatory requirements, managing risks proactively by identifying potential defaults early.Contributed to the development of strategies to enhance the credit portfolio, including creating more competitive financing schemes tailored to the risk profile of customers.Coordinated the resolution of field issues encountered by surveyors, such as data discrepancies or challenges in asset verification. Show less

Sungai Penuh, Jambi, Indonesia

Conduct field surveys to collect farm-related data, including the types of crops grown, farming methods used, fertiliser and pesticide use, and environmental factors affecting agricultural production.Collecting more than 120 data per month from various sources through direct field surveys and online interviews.Communicating with more than 120 public respondents in one month regarding requesting and ensuring the necessary information related to the survey.

Jakarta Raya, Indonesia

Finishing various tasks related to the activity of Business Intelligence Analyst from PT Bank Muamalat Indonesia TBK, such as data analysis and reporting, developing dashboards and visualizations, identifying business opportunities and areas for improvement.

Sungai Penuh, Jambi, Indonesia

Analyse more than 5 financial data and credit information per day for prospective and existing customers. Interacted with the credit management team and other departments to obtain additional information required in credit analysis.Support the creditworthiness assessment process by conducting financial ratio analysis, cash flow, and SWOT analysis.Trusted as a customer service representative focusing on serving more than 20 special customers in the back office in a day… Show more Analyse more than 5 financial data and credit information per day for prospective and existing customers. Interacted with the credit management team and other departments to obtain additional information required in credit analysis.Support the creditworthiness assessment process by conducting financial ratio analysis, cash flow, and SWOT analysis.Trusted as a customer service representative focusing on serving more than 20 special customers in the back office in a day , and also been involved in interacting with clients via phone or email. Show less

Data Processing

Bachelor'S Degree, Finance And Financial Management Services, 3.81