Experience

Digiscore

• Financial Services
• 1 - 100 Employee

• Director - Legal & Compliance

  • Oct 2020 - Present

  Digiscore is a financial technology company that offers both Innovative Credit Scoring and E-KYC solutions which provide financial services companies with artificial intelligence-powered credit risk management, automated loan underwriting, fraud detection and digital identity verification services by leveraging Digiscore’s strong data science, engine and analytics in conjunction with our proven big data capabilities, machine learning and deep learning models. In doing so, Digiscore offers both SaaS (Software as a Service) and On-Premise Software Deployment including a Hybrid Rollout to fit in our customers’ internal IT infrastructure.Digiscore is a subsidiary of Rong360 | Jianpu Technology (NYSE: JT), China's fintech unicorn and leading mobile financial intelligence platform, which is also one of the largest Super Financial Apps and credit card channels in China, having more than 150 million registered active users in more than 350 cities in China. It went public on the New York Stock Exchange on 16 November 2017 following completion of its Series A-D funding rounds amounted to USD 366.000.000 between 2012 and 2017.Over 2300 financial services providers currently leverage Rong360 | Jianpu Technology’s fintech platform to distribute and market their financial products and services such as loans, credit cards and insurance products. Our existing investors consist of multinational companies with strong track records and credentials in the finance and technology industry such as, among others: Sequoia, Lightspeed, Temasek Holdings (through its subsidiary, Pavilion Capital), Jack Ma’s Yunfeng Capital, Kleiner Perkins Caufield & Byers (one of the largest venture capital firms in the United States of America and an early investor of Amazon) and Sailing Capital (a major private equity company owned by the Shanghai Municipal Government and several other national departments of China)



Finpedia

• Indonesia
• Financial Services
• 1 - 100 Employee

• Director - Legal & Compliance

  • Apr 2020 - Present

  Finpedia is a financial technology company that engages in the financial services aggregator business, enabling the discovery, comparison and recommendation of various financial products provided by financial institutions and connecting users with banks and financial services providers while building an all-around direct selling platform of financing and loan products supported by its big data, proprietary search engine, artificial intelligence and cloud computing capabilities.Finpedia is a subsidiary of Rong360 | Jianpu Technology (NYSE: JT), China's fintech unicorn and leading mobile financial intelligence platform, which is also one of the largest Super Financial Apps and credit card channels in China, having more than 150 million registered active users in more than 350 cities in China. It went public on the New York Stock Exchange on 16 November 2017 following completion of its Series A-D funding rounds amounted to USD 366.000.000 between 2012 and 2017.Over 2300 financial services providers currently leverage Rong360 | Jianpu Technology’s fintech platform to distribute and market their financial products and services such as loans, credit cards and insurance products. Our existing investors consist of multinational companies with strong track records and credentials in the finance and technology industry such as, among others: Sequoia, Lightspeed, Temasek Holdings (through its subsidiary, Pavilion Capital), Jack Ma’s Yunfeng Capital, Kleiner Perkins Caufield & Byers (one of the largest venture capital firms in the United States of America and an early investor of Amazon) and Sailing Capital (a major private equity company owned by the Shanghai Municipal Government and several other national departments of China)



UniSadhuGuna

• Indonesia
• Education Administration Programs
• 1 - 100 Employee

• Lecturer in Business Law

  • Jun 2015 - Present

  Teaching "Business Law" to undergraduate students of UniSadhuGuna International College (UIC) Business School which includes the contract law, company law, employment, collateral and insurance laws, both theory and practice.



Trisakti University

• Education Management
• 700 & Above Employee

• Lecturer in Legal Aspect in Economics

  • Aug 2015 - Present

  Teaching "Legal Aspect in Economics" to undergraduate students of the Faculty of Economics and Business (International Class) of Trisakti University, ranging from the company law, contract law, legal aspect of credit up to collateral and insurance laws, both theory and practice.



Harvardy, Marieta & Mauren - Attorneys at Law

• Indonesia
• Legal Services
• 1 - 100 Employee

• Of Counsel

  • Nov 2017 - Present

  Practice Area: Fintech, Banking & Finance, General Corporate & Joint Venture, Foreign Direct Investment, E-Commerce & TMT (Technology, Media & Telco)Primary role and notable works:-Leading the Fintech Division of the firm in advising and representing various fintech companies in the proposed establishment and development of their business in Indonesia, procurement of fintech lending-related registration letter and license, corporate governance, regulatory compliance up to the drafting of a variety of contracts, terms and conditions, data privacy, etc for their day-to-day business.-Advising and representing a subsidiary of Zhenrongbao, a prominent Chinese fintech firm in the preparation and submission of mandatory documents to the Financial Services Authority to obtain the fintech lending registration letter.-Advising a local fintech lending company in the formulation of mandatory core agreements to comply with the fintech lending regulation (POJK 77)-Advising prospective clients in fintech lending and payment gateway industries on practical legal strategies aimed to secure the fintech lending registration letter and payment gateway license under the relevant fintech lending and payment gateway regulations.-Mentoring the firm's lawyers with practical legal knowledge in fintech lending industry so as to develop their skill and awareness in multifaceted legal aspects of fintech lending business.-Carrying out various networking and marketing activities including establishing strategic cooperation with business partners from various industries to support the firm's growth.



KoinWorks

• Indonesia
• Financial Services
• 500 - 600 Employee

• Chief Legal Officer

  • Sep 2019 - Jan 2020

  KoinWorks is a leading financial technology peer-to-peer lending company in Indonesia that channels productive loans to local SMEs, having raised a total of more than $30M in fundraising since its inception in 2016 from prominent investors from United States, Japan and Indonesia.Main roles and responsibilities include:-Go-to legal advisor for the board of directors, commissioners, investors, stakeholders and all business units or divisions of the company.-Structuring and managing legal strategies required to actualize the company's business plans and initiatives.-Rendering clear and pragmatic legal advisory on all legal aspects of the company’s products and services, corporate actions and commercial schemes.-Maintaining a robust corporate governance, regulatory and compliance framework to ensure continued adherance to legislations including interpreting and applying compliance measures among cross-functional departments;-Managing licensing, regulatory approvals, and mandatory reporting to and audit from the relevant authorities in relation to the company’s new or existing products, services or corporate action.-In charge of overall legal affairs within KoinWorks and its affiliates including administering legal-related matters within HR, tech, credit and risk, marketing, consumer services, collection and finance spheres.-Providing viable and commercially sound legal solutions to anticipate any legal issues arising from the company's business, strategic investment, day-to-day operation and organizational development.-Identifying potential areas of compliance vulnerability and risk, developing and implementing corrective action plans for resolution of problematic issues, and providing general guidance on how to avoid or deal with similar situations in the future.-Drafting and reviewing legal-related SOPs, internal policies, transactional documents and any commercial or partnership agreements.



Modalku

• Indonesia
• Financial Services
• 1 - 100 Employee

• Legal Counsel

  • Sep 2016 - Sep 2018

  Modalku is a member of Funding Asia Group and it is the largest peer-to-peer lending company in South East Asia, listed among the global Fintech 250 companies by CB Insights, and the winner of ITU Telecom World Award 2017 from the United Nations.Modalku and its sister companies, Funding Societies (Singapore) and Modalku Ventures (Malaysia) recently secured a USD 25 million Series B funding from Softbank Korea and other prominent investors to help finance SMEs enterprises in three countries. This is the largest investment in a Southeast Asian peer-to-peer lending platform ever.Main roles and responsibilities include:-Go-to legal advisor for the board of directors;-Legal counsel for Modalku (Indonesia), Funding Societies (Singapore) and Modalku Ventures (Malaysia)-In charge of overall legal matters within Modalku and its affiliates in Singapore and Malaysia.-Managing and overseeing regulatory compliance with the relevant laws and regulations, contributing to the drafting of P2P lending regulation (POJK 77/2016) and liaising with government authorities.-Rendering legal advisory on all legal aspects of the company’s operation, products & services, business plans, investment structures, transaction & commercial schemes. Structuring and driving legal strategies aimed to achieve effective technology-based and cost efficient day to day business of the company.-Identifying potential areas of compliance vulnerability and risk, developing and implementing corrective action plans for resolution of problematic issues, and providing general guidance on how to avoid or deal with similar situations in the future.-Drafting and reviewing transactional documents and arrangements (conventional or electronic) namely, among others, business term loan, account receivables financing, revolver loan, joint financing, supply chain financing, collateralization, inventory financing, merchant cash advance, subscription, partnership & referral agreements.



Asosiasi FinTech Indonesia

• Indonesia
• Financial Services
• 1 - 100 Employee

• Legal Coordinator - Fintech Lending Division

  • Jun 2018 - Aug 2018

  Main duties and responsibilities:-Representing Indonesian Fintech Association ("Aftech") in various legal-related events in fintech lending industry (peer-to-peer lending).-Advising the Fintech Licensing, Regulation and Supervision Department of Financial Services Authority (Otoritas Jasa Keuangan - "OJK") on legal aspects of fintech lending.-Contributing as a drafter and external legal advisor to the OJK in the formulation of several circular letters and policies of OJK as assigned by the Fintech Licensing, Regulation and Supervision Department of OJK.-Conducting legal review of the Fintech Lending Code of Conduct (CoC) to be adhered by all registered fintech lending companies including proposing necessary amendments thereto aimed to better protect the fintech lending industry and the consumers within.-Coordinating with and gathering inputs and insights from other registered fintech lending companies (members of Aftech) in the preparation of Aftech's advices, recommendations or inputs as deliverables to OJK in respect of certain public policy making or regulatory drafting related to fintech lending



Tarigan & Partners

• Of Counsel

  • May 2015 - Nov 2017

  Practice areas: Corporate & Commercial, Banking & Finance, Investment & Joint Venture, TMT (Technology, Media, Telecommunication), Mergers & Acquisitions.Recent transactions and advisory services include:-Advising a prospective foreign investor on legal aspects of the proposed shares acquisition of a prominent local oil and gas company having oil production in Central Sumatra basin.-Advising a local trading company on the proposed entry into an exclusive agency agreement with an engineering company of Sweden for the sale of software licenses and consultancy services in Indonesia and several ASEAN countries, including drafting the agency agreement in compliance with the relevant laws and/or regulations.-Advising a local airline on legal aspects of the proposed sale of its commercial aircrafts to an airline of Papua New Guinea.



Ralali.com - B2B Marketplace

• Indonesia
• Technology, Information and Internet
• 100 - 200 Employee

• Legal Manager, Corporate Secretary & Investor Relation

  • Mar 2016 - Aug 2016

  PT Raksasa Laju Lintang (“Ralali.com”) (a prominent B2B e-commerce business in Indonesia)Primary duties/functions include:Acting as a go-to legal advisor for the Board of Directors;Contract, license and dispute management;Investor relation, corporate secretary and compliance handling;Rendering legal opinion and strategies to address all legal issues arising out of operational activities of Ralali.com's business units and offices in Indonesia including employment-related matters;Coordinating and supervising external counsels/lawyers on various legal issues involving Ralali.com and liaising with government institutions for the procurement of all mandatory licenses; andDrafting and reviewing various commercial/business, cooperation and investment-related contracts entered into between Ralali.com and third parties (vendors, investors, business partners) including assessment of viable transaction and investment structures.



Indosat

• Project Contract Manager

  • 2015 - 2015

  Some significant mandates:Advising Indosat on legal strategy to refute a multibillion claim submitted by its vendor due to the alleged breach of contract. The conflict ultimately resolved amicably through the execution of a settlement agreement;Advising Indosat on a dispute with civil elements of Bekasi region with respect to defamatory commercial produced by a vendor which resulted in both actual and reputational damage of Indosat;Advising Indosat on a dispute with its vendor who produced a defamatory commercial posted in a social media which eventually triggered a tort dispute between Indosat and civil elements of Bekasi region;Advising Indosat on legal analysis and strategy to retrieve its equipment that was retained by a building management due to breach of contract allegation;Drafting a Service Interruption Credit arrangement to secure Indosat’s interest upon any occurrence of outage of telco devices in relation to the implementation of the purchase agreement entered into between Indosat and prominent multinational and local telecommunication companies;Advising Indosat on potential legal implications for illegitimate utilization of state property and unauthorized lease of the state property by its vendor;Advising Indosat on the proposed termination of a cooperation agreement on the basis of breach of contract due to recurrence of shutdowns of managed campaign services; andReviewing contracts in accordance with the relevant users’ needs, such as among others, Build-to-Suit, Collocation, information-technology and managed campaign contracts, including advising on post contract issues such as determination of indirect damages, gathering of evidences and claims towards vendors.



Rahayu & Partners

• Associate

  • 2014 - 2015

  Focused on general corporate works, mining, banking and finance projects whilst also occasionally assigned by the managing partner to taking on role as a surrogate lecturer to teach corporate and commercial law in UniSadhuGuna International College and assisting her during contract drafting course at the Congress of Indonesian Advocates by being a co-speaker to teach the law of obligations (theories, doctrines, and practicalities).Notable assignments:Assisting the managing partner in reviewing a USD 4.000.000 term loan facility agreement on behalf of PT Nuplex Raung Resins as the borrower for the purpose of financing procurement of new equipment for its capacity expansion.Assisting the managing partner in advising a prominent foreign bank on the proposed joint financing transaction by way of subrogation arrangement to be entered into with a public listed multi finance company for automotive to finance its existing consumer finance customers. Assisting the managing partner in advising a prominent local bank on the proposed assignment of USD 40.000.000 bilateral loan extended to a well-established local plantation company to its affiliate overseas. Assisting the managing partner in advising shareholders of a company on the construction and development of a nickel processing facility (smelter project), conducting research on regulatory framework and all requisite licenses to implement the project.Assisting the managing partner in advising on the structuring of deals in relation to a smelter project, including preparing transactional documents namely joint venture agreement between local and foreign investors to finance the smelter construction project and reviewing the nickel off take agreement.



Hermawan Juniarto

• Legal Services
• 1 - 100 Employee

• Associate (Commercial Litigation Practice Group)

  • 2014 - 2014

  Spent 2 years Hermawan Juniarto law office with dual roles: (i) as transactional lawyer in the Corporate & Commercial Practice Group (in 2012-2014); and (ii) as dispute lawyer in the Commercial Litigation Group (in 2014).Notable assignments in the Commercial Litigation Group, among others:Representing (including drafting contentious documents) an affiliate of one of the biggest manufacturers of medical equipment in the world in an industrial relation dispute related to the claims for entitlements and commission filed by its former employees.Representing an affiliate of a global engineering conglomerate in a manpower dispute arising out of dissatisfaction of its former employee on the determination of severance pay following his termination of employment on the basis of redundancy.Representing an affiliate of a global engineering conglomerate in manpower investigations held by manpower supervisors of the Ministry of Manpower and Transmigration on the alleged violation of Indonesian Manpower Law by its expatriate employees.Advising an affiliate of one of the largest steel producers in the world on the proposed employment termination of its employee on the basis of major faults.Advising an affiliate of one of the world’s leading energy solutions and transportation companies on potential sanctions for late filing of annual income tax return.Advising a prominent local information and technology company on unilateral termination of distributor contract by an affiliate of an American multinational computer technology corporation. Advising PT Baradinamika Mudasukses (Baramulti Group) on the proposed utilization of road operated by a mining company and potential land dispute with said mining company.Advising PT Krakatau Industrial Estate Cilegon on the proposed termination of agreement on utilization of industrial land due to breach of contract of its partner.

• Associate (Corporate & Commercial Practice Group)

  • 2012 - 2014

  I was primarily involved in general corporate, construction, finance and investment works with some notable accomplished assignments and projects, among others: Advising Grassroots Business Fund (United States) on the provision of multimillion dollar financing to the world's biggest kebab chain for its business expansion.Advising a multinational joint venture company engaging in lime calcination plant industry on the provision of collateral in relation to USD 42,000,000 loan for development, engineering and construction of a lime calcination plant and associated structures and facilities from several Korean banks.As a part of the team assigned to structuring legal memorandum for JGC Corporation and KBR Inc, both are the leading global engineering companies, on the review of draft contract on Engineering, Construction and Commissioning for Tangguh Expansion project.As a part of the team assigned to advise one of the leading international oilfield service companies on the establishment of foreign investment company and contracting vehicle to engage in the business of exploration and exploitation of oil field under Joint Operating Agreement (Kerja Sama Operasi) with Pertamina EP.As a part of the team (including supervising such team) assigned to answer more than 100 questions submitted by Alstom, one of the world’s leading energy solutions and transportation companies, on Indonesian laws relevant to its construction business ranging from the understanding of multifaceted contractual issues under the the Burgerlijk Wetboek to statutory liens and general liability policies within Indonesia’s construction regime.



Sulaiman & Herling Attorneys At Law

• Law Practice
• 1 - 100 Employee

• Associate

  • 2011 - 2012

  Primarily focused on bankruptcy and suspension of debt payment obligations, acquisition, general corporate and foreign direct investment, with several noteworthy transaction and tasks, inter alia, as follows: Assisting the partners in representing PT Energi Tata Persada, a local oil and gas support service company, against the Temporary Suspension of Debt Payment Obligations (Penundaan Kewajiban Pembayaran Utang Sementara – “PKPUS”) petitioned by its creditors.Assisting the partners in drafting a composition plan in relation to the aforesaid PKPUS process which successfully resulted in acceptance by 99% (ninety nine percent) of the creditors.Involved in the debt restructuring and negotiation process with the creditors during the aforementioned PKPUS progress following which the outcomes were incorporated in the composition plan submitted to the Commercial Court for homologation.Assisting the partners in reviewing and negotiating (i) subscription agreement; (ii) conditional sale and purchase agreement (CSPA); and (iii) securities documents (pledge of shares, personal guarantee, articles of indebtedness and call option proposed by the purchaser) on behalf of the sellers with respect to share acquisition transaction of PT Energi Telaga Said Darat, a local oil and gas support service company, by Petro AP (Hong Kong) Company Limited.