PT. Berinvest Digital Indonesia (Hasel) is the early stage startup that develops Software as a Service (SaaS) Enterprise Resource Planning (ERP) platform for digitizing and scaling up finance management for Indonesian co-operative (koperasi) ecosystem.

• Develop training & business coaching module for various functions in Banking & Finance Company, expecially for Credit Analyst, Fund Transfer Pricing (FTP) and Linkage Business Scheme in Joint Financing (JF) / Channeling between Bank and Finance Institution (Multifinance, BPR, Venture Capital & “Koperasi”) & conduct inhouse training for these developed modules as well. • As Senior Advisor at several IT Start-Up Companies.

Role: Sharia Financing Business & Enablement Group Head.

Director – Finance & Treasury, Risk, Information Technology & Operation• Supervise all aspects of business finance and drive the company's financial strategy and planning including cash flow and funding sources in accordance with company needs.• Directing, evaluating, and disseminating policies and strategies in the field of Risk Management & Compliance, directing and evaluating the preparation of short-term, medium-term and long-term Business Plans and Action Plans to be in line with Company policies, optimizing business units in financial aspects, service excellence, Good Corporate Governance (GCG) and Fraud Prevention, as well as achieving and increasing business volume targets (funds and financing) that have been set.• Develop Information Technology to work as business partners with all work units of the Company's organization and ensure that the Company has the most appropriate technological solutions for the current situation and business needs in the future through effective and efficient information technology planning, development, achievement, implementation, maintenance, and ongoing support.• Directing, evaluating, and coordinating the implementation of the management of the Company in the field of Operations as stipulated in the Articles of Association, the decision of the Company's General Meeting of Shareholders, and laws and regulations.

• Linked Business Division Head. • Supervise marketing team to meet Bank Lending Portfolios exposure and Bank‟s profit target, through Joint Financing (JF), Channeling, Asset Buy/Sell and Working Capital scheme with Multi Finance Company, BPR and “Koperasi” to finance their end users. • Supervise the Quality Assurance team to do Due Diligence Process to ensure the infrastructure readiness of Finance Company before joining product of Consumer Asset Purchase (CAP) and/or Joint Financing and to review the performance of Finance Company periodically.• Develop Audit Program & Due Diligence Program to monitor the performance of Finance Company, BPR and “Koperasi”.• Detailing system specification that is needed by IT vendor for developing Indirect Retail LinkedBusiness. This project is involving most of the Division within the Bank, such as IT, Risk Management, Compliance, Operational, Audit and Reconciliation, and MIS. The objective of the project is to prepare all necessary action to maintain the end users account status in the Bank‟s book reflecting what is recording in the Finance Company, BPR and “Koperasi” books.

CBC Jakarta Otomotif (2006–2013) & Consumer Loans Group (2004–2005)• Head of Marketing Automotive Consumer Financing (Direct & Indirect Financing)• Supervise marketing team to meet Bank Lending Portfolios exposure and Bank's profit target, through joint financing scheme with Multi Finance Company to finance their end users. • Supervise the Quality Assurance team to do Due Diligence Process to ensure the infrastructure readiness of Finance Company before joining product of Consumer Asset Purchase (CAP) and/or Joint Financing and to review the performance of Finance Company periodically.• Develop Audit Program & Due Diligence Program to monitor the performance of Finance Company.• PIC for applying Direct Retail Automotive System (“KPM KendaraMandiri”). This project is involving most of the department within the Bank, such as IT, Risk Management, Compliance, Operational, Audit, and MIS. The objective of the project is to prepare all necessary action to launch Direct Car Financing Bank Mandiri (“KPM KendaraMandiri”).• PIC for detailing system specification that is needed by IT vendor (Sigma) for developing Consumer Asset Purchase (CAP) System / Indirect Retail Automotive Business. This project is involving most of the department within the Bank, such as IT, Risk Management, Compliance, Operational, Audit and Reconciliation, and MIS. The objective of the project is to prepare all necessary action to maintain the end users account status in the Bank‟s book reflecting what is recording in the Finance Company book.• Develop MIS for monitoring the Delinquent Performance of Finance Company Account Receivable.• Generate report of Portfolio Analysis and Vintage Analysis for each of Finance Company.

• Head of Quality Assurance Automotive Business.• Review Performance & Infrastructure of Finance Company by Due Diligence Process to ensure the readiness of Finance Company before joining product of Consumer Asset Purchase (CAP) and/or Joint Financing.• Develop Audit Program & Due Diligence Program to monitor performance of Finance Company.• Supervise Quality Assurance team to do Due Diligence Process to review the infrastructure readiness of Finance Company before joining joint financing scheme. • Supervise Quality Assurance team to review and monitor the performance of Finance Company periodically.• Develop MIS for monitoring the Delinquent Performance of Finance Company Account Receivable.• Generate report of Portfolio Analysis and Vintage Analysis for each of Finance Company.

• IT & MIS Audit Department Head.• Develop standard audit program for reviewing Information Technology (IT).• Team Leader for auditing Information Technology (IT), including IT Architecture, Hardware, Software, Brainware, Capacity and Performance.• Team Leader for auditing Liquidity Management to ensure that Bank has owned contingency plan to anticipate if the Bank‟s liquidities problem (crisis).• Team Leader for auditing infrastructure of Compliance & Control Division to ensure that internal control has been implemented and in place at Bank Universal.• Team Leader for auditing data conversion after consolidating data among 4 Banks that has been merged to become 1 Bank (Bank Permata).

• Internal Audit Division Head.• Base on the organization chart, had a direct responsibility to the President Director and Board of Audit to ensure the achievement of the mission of Audit Division, which should be able to give many ideas and suggestions as the independence opinion about the effectiveness of Policy & Procedures implemented in all activities of Bank Subentra..• Ensurethat all of Audit Plans could be achieved within the target date.• Ensure the availability of human resources in Audit Division, and also provide the „Intra Department Cross Training‟ from other Division into Audit Division.• Ensure that in every activities audit cycle, there were audit plan, audit fieldwork, reporting and follow-up process, which could be done not more than the target date and very objectively base on the best analysis for every objectiveof audits.• Continuously Improved the infrastructure of Division Audit, including :• Improve the productivity, efficiency and quality of Auditors in the way to find any mistake that has a high risk that will affect to the operation of the Bank as the most priority.• Encourage Auditors‟ concern by taking their active participations to always update their knowledge with regard to the products / services development of Bank Subentra.• Provide Intern / Extern Trainings for the Auditors to keep improve their knowledge

• MIS & Budgeting Department Head.• Supervise all Branches including Head Office to make completely budget and prepare the initial steps as follows :• Establish the assumptions which were used for Budget, such as: Exchange Rate, Interest Rate, % of Growth, % of Spread, Sources of Funding, Placement, Ratios, etc.• Check and discuss about budget for Capital Expenditures, Information Technology (software and hardware)• Develop “Integrated Budgeting System” which could be used to combine all budget from each Branches of Bank Tiara Asia and to produce reports with regard to Budget Achievement Monitoring purposes which are needed by the management• Provide Budget Achievement Analysis Report compared to the Actual Figures for each Branches / Business Unit and consolidation report, including : Budget Achievement Report, Financial Statement Reports (Balance Sheet, Profit / (Loss), etc.) and Monthly Executive Summary & Analysis Report. • Member of Cost Control Committee, to review and monitor the effectiveness and level of efficiency from every cost / expense paid, especially for the big figures according to the policy of the Bank.• Member of Budget Committee, to assure that the budget could be finished within the due date of budget reporting and summit it to the Central Bank (Bank Indonesia).• Member of IT Committee, to give advices and suggestions to the Technology Division Head with regard to the IT expansion purposes. It could be hardware peripherals or software applications.

• Business Development Division Head.• Project Manager for applying integrated Front Office Hotel System & Back Office Hotel System which should be sold to the hotel market by PT JasacomHastamasSembada, according to the core business of the company as one of the Hotel Management Consultant who gave advises and solutions to the hotel management.• System Analyst & Senior Programmer for applying integrated Regular Loan Revolving System used by Bank Universal & Auto-2000. The system was needed to help them to maintain the database of Dealer Financing Scheme (Regular Loan Revolving System) between Bank Universal & Auto-2000 (Astra Group).• Project Manager for applying integrated Foreign Exchange & Money Market system used by Bank Tiara Asia to help them to maintain and review all of their transactions done by Dealers in Treasury Dealing Room.

• Develop computer application program based on all routine jobs at Treasury Operation Department to make the jobs could be done by more efficient and more effective and faster than manually, especially for the Foreign Exchange and Money Market Transactions monitoring and reporting system.• Assistant of CIB Financial Controller; provideMIS, Budget & other reports which should be reported to the Head-Quarter of Citibank according to the reporting cycle.• Assistant of CIB Treasury Risk Manager; help the Treasury Risk Manager to review and monitor any transactions done by the Traders in Treasury Dealing Room