- Manage & grow a credit portfolio with a limit in accordance with the provisions- Implement a prudent lending process- Conducting relationships with debtors in accordance with the values- Carry out credit administration and documentation in an orderly manner- Monitoring debtor credit facilities under its management to produce a healthy credit portfolio- Provide recommendations or solutions for solving SME segment problems faced by ARR and RM- Coaching & Mentoring ARR and RM with the aim of increasing ARR and RM credit capability- Implement operational risk management for each business process carried out