• Oversaw Business Risk Officer, Process all Product and Office of PT. Indo Fin Tek. Lead Team responsible for identifying and managing all risk. Affected strategic plans as executibe business advisor on emerging risk and industry trend. Serve as accountable executive for diversity and inclusion. • Directed strategic risk management for credit loan, include risk assessment, measurement and ditigarion by partnering to corporate ERM Policy.• Managed internal independent review of customer complaints ain accourdance with OJK regulations.• Directed process product team implementing system process Management.• Led transformation of risk management in PT. Indo Fin Tek

• Conduct an analysis and risk assessment / review of the proposed credit for MSMEs (BPRs, employee cooperatives, KKLK) along with the adequacy of risk mitigation adjusted to the complexity of financing. With funding above Rp. 500 Million to billion• Maintaining the credit area by supervising 5 Relationship Managers.• Checking credit applications.• Undertake treatment of debtors.• Check the debtor's business for credit funds distribution.• Provide risk mitigation for credit applications.• Negotiating on loan approvals, both on the credit committee and Debtor side

• Conduct an analysis and risk assessment / review of the proposed credit for MSMEs (BPRs, employee cooperatives, KKLK) along with the adequacy of risk mitigation adjusted to the complexity of financing. With funding above Rp. 15 billion to 100 billion• Checking credit applications.• Undertake treatment of debtors.• Check the debtor's business for credit funds distribution.• Provide risk mitigation for credit applications.• Negotiating on loan approvals, both on the credit committee and Debtor side

• Gathering information;• Reading financial briefings;• Assessing, analysing and interpreting complicated financial information;• Undertaking risk assessment analysis;• Visiting clients;• Keeping company credit exposures within set risk bearing limits;• Using credit-scoring systems for small credit amounts (such as small unsecured personal loans);• Keeping knowledge of key issues up-to-date (for example legal, market risk and compliance issues);• Helping to enhance the quality of credit applications;• Making recommendations about procedural/policy changes.

• Analyzing and assessing / reviewing the risks of the proposed Small and Medium credit following the adequacy of risk mitigation adjusted for the complexity of the financing. With SD funding. Rp.25 M.

• Prepare and coordinate summary paper for State Planning Committee meeting;• Prepare and get feedbacks from related agencies on each decision made from meeting;• Prepare development application paper under sub section 22(2A) Act 172 to be brought to National Physical Plan Meeting;• Prepare minutes of meeting MPFN and distribute to agencies;• Prepare and give comment on Act/planning methodology;• Organise awareness programmes on Act 172 thru worksyops/dialogue/seminar an discussions with State Legislation Officer and Local Council • Monitor implementation on Act 172 to all Selangor State Planning Authorities;and• Prepare Bulletin "RANCANG" (1 issue)

• Reporting every plan for each department.• Check the submission of the plan• Perform a presentation to the relevant section on the submission of planing every year.