Experience

Nojima Co.,Ltd.

• Japan
• Retail
• 1 - 100 Employee

• Credit Head Indonesia

  • Jan 2019 - Present

  Greater Jakarta Area, Indonesia Dual direct report to CEO Indonesia and Group Credit Director in Singapore, responsible for managing Credit Risk and other Operational Risk exposure within the company, including monitoring the implementation of all Governance, Policies and Procedures.



PT BANK JTRUST INDONESIA Tbk.

• Indonesia
• Banking
• 400 - 500 Employee

• Risk & Control Management Head

  • Dec 2017 - Dec 2018

  Jakarta > Second line of defense for Consumer Credit, SME Credit and Operational Risk within the bank > Creating credit policy for SME, Mortgage & Consumer Credit products, including Monitor the implementation of the policy for getting feedback as a benchmark in developing a robust and effective process. > Responsible for managing Credit Reviewer Team, focus on Consumer Credit & SME Credit output, for conduct credit assessment based on policy created by Credit Policy & Process… Show more > Second line of defense for Consumer Credit, SME Credit and Operational Risk within the bank > Creating credit policy for SME, Mortgage & Consumer Credit products, including Monitor the implementation of the policy for getting feedback as a benchmark in developing a robust and effective process. > Responsible for managing Credit Reviewer Team, focus on Consumer Credit & SME Credit output, for conduct credit assessment based on policy created by Credit Policy & Process Department in aimed of creating a healthy and sustainable portfolio. > Ensuring that Credit Reviewer Department Team member executed the policy created by Credit Policy & Process Department appropriately through credit quality assurance process. > Conduct Pre-Screen, SID/AKKI/Rating, TV / PV, Appraisal and re-appraisal. > Maintenance of credit documents, facilities information, collateral management, provide report on annual credit review, insurance policy and valuation report. > Act as second line of defense ( 2LoD ) for Operational Risk Management within the whole Divisions of the bank, including branches. > Managing the Anti Money Laundering ( AML ) program for the bank Show less



HSBC

• United Kingdom
• Financial Services
• 700 & Above Employee

• VP Business Risk and Control Management

  • Apr 2014 - Dec 2017

  Jakarta > First line of defense for Operational Risk in SME Credit, Consumer Credit, LMU, Security Fraud Risk and Anti Money Laundering ( AML ). > Assist company stakeholder in conducting Risk Identification, Risk Assessment, Control Implementation, Issues Management, Advisory on new Product and Process Enhancement, Regulator Governance Point of Contact, Credit Administration related Activities and Quality Assurance Guarantee. > Work with management to identify key operational processes… Show more > First line of defense for Operational Risk in SME Credit, Consumer Credit, LMU, Security Fraud Risk and Anti Money Laundering ( AML ). > Assist company stakeholder in conducting Risk Identification, Risk Assessment, Control Implementation, Issues Management, Advisory on new Product and Process Enhancement, Regulator Governance Point of Contact, Credit Administration related Activities and Quality Assurance Guarantee. > Work with management to identify key operational processes and associated risks in aimed of keep developing appropriate Operational Risk and Management Framework ( ORMF ). > Establish suitable Internal Control Monitoring Plans (ICMP). > Provide assurance to management through regular assessment of risk and controls to ensure they remain effective. > Work with the business to close any issues and ensure emerging risks are identified and reported. > Establish and maintain an effective operation in alignment with local and regional Laws and Regulations, work closely with Chief Risk Officer. > Act as a Risk Manager for Management in identify any issue in daily process and find solutions for improper operation .

• AVP Credit Verification

  • Nov 2012 - Apr 2014

  Jakarta > Manage end to end Credit Verification Process, including documents verification, telephone verification and physical verification for Credit Card, Personal Loan and Mortgage. > Responsible for third parties Credit Verification agencies operation and in-house telephone verification team. > Lead Appraisal Team who manage the result of appraisal agencies activities for SME product.

• Secured Credit Procesing Manager

  • Oct 2010 - Nov 2012

  Jakarta > Ensuring quality of SME Credit & Mortgage Credit Decision within the acceptable target. > Create new team for Mortgage Credit Processing in HSBC Indonesia and managing all third parties related to Mortgage. > Manage and Control all costs in SME & Mortgage area to maintain it within budgets that have been specified.

• Regional Credit Manager

  • Jun 2007 - Oct 2010

  Medan > Lead Credit Underwriting and Collection Operation for secured and unsecured product ( SME, Credit Card, Personal Loan and Micro Credit ) in Sumatera Region. > Establish Micro Credit and Retail SME Credit Team for Sumatera Region coverage. > Ensure Risk, Operational and Control Management Applied in all credit initiate.



Citi

• United States
• Financial Services
• 700 & Above Employee

• Credit Risk Operation Assistant Manager

  • Jun 2005 - Jun 2007

  Medan > Handling Credit Underwriting and Manage Collection for secured and unsecured product ( SME, Channeling with OMA / FIF, Credit Card, Personal Loan and Micro Credit ) in Sumatera Region. > Increase the effectiveness and efficiency of authentication process, both internal and External. > Ensure effective Control Compliance Self Assessment ( CCSA ) accordance with company standards.



Holcim

• Switzerland
• Wholesale Building Materials
• 700 & Above Employee

• Sales & Marketing Analyst

  • Jan 2000 - Jun 2005

  Medan > Monitor sales & marketing operations in three main regions : Aceh , North Sumatera & Riau by analyze market situation related to consumption , market supply , sales volume , average selling price , market share and potential market. > Build & Maintain relationship with developers, distributors , support them on sales activity. > Design and Implement Control framework for ensuring all local and group governance related Marketing applied properly. > Lead Marketing Staff in… Show more > Monitor sales & marketing operations in three main regions : Aceh , North Sumatera & Riau by analyze market situation related to consumption , market supply , sales volume , average selling price , market share and potential market. > Build & Maintain relationship with developers, distributors , support them on sales activity. > Design and Implement Control framework for ensuring all local and group governance related Marketing applied properly. > Lead Marketing Staff in building database of Developers and Distributors information. > Designing development program for Lafarge Indonesia , work together with Regional Office in Kuala Lumpur. Show less