Anestya Riskina
Credit, Risk Management, Treasury
South Jakarta,JK
Summary
Accomplished in driving revenue generation and risk mitigation, my tenure at Schneider Indonesia honed my analytical skills and fostered teamwork. Currently a seasoned entrepreneur, i am an expert in credit risk, project and cash management.
I've led initiatives that significantly enhanced operational efficiency. My approach combines strategic project management with a keen focus on achieving business goals through collaborative problem-solving and organizational prowess. I am ready to leverage experience and drive to pursue new professional challenges.
Overview
17
17
years of professional experience
Work History
Entrepreneur
Self-employeed
09.2022 - Current
- Started small- to medium-sized business in cosmetics and beauty appliances.
- Monitoring daily market trends on cosmetics.
- Set up a marketing plan and review the results of the promotion program.
- Review product prices and giveaway bonuses for loyal customers.
- Manage social media and inputs from clients
Cash Management Specialist - Treasury Function
Schneider Indonesia
10.2020 - 06.2022
- Report directly to Regional Treasury Manager and dotted to country CFO, i support Treasury in Cash Management and Trade functions for all Indonesian entities.
- Supporting cash management for Brunei, Myanmar, Laos, and Mongolia, as well as a backup role for the rest of East Asia Japan Countries.
- Managing and provide cash forecast and cash pooling on weekly basis
- Managing 8 different banks solely for Indonesian operation, including loan (renewal, withdrawal, payment), trade (issuance, and renewal of bank guarantee and bonds).
- Together with accounting department support report for Bank of Indonesia (Simodis, KPPK).
- Provide project review on treasury aspects (Bond and Bank Guarantee).
- Attending and providing review/support on the company's financial review.
- Assist on dividend payment for shareholders (working together with accounting team and in house legal)
- Seeking the most profitable loan/bank facilities for the company
- Boosted operational efficiency by identifying areas for improvement and implementing best practices in cash management and trade processes.
Senior Credit Analyst
Schneider Indonesia
07.2019 - 10.2020
- Report directly to Regional Credit Manager and dotted to Country CFO, I review and approve credit application for Small Medium Enterprise and Project based customer
- Review and approve delivery of materials and or service depends on customer credit conditions
- Engage in project negotiation and agreement review from credit perspective and provide request request of approval (if required)
- In charge of Credit Insurance (renewal, fee calculations and payment, claim and reimbursement)
- In charge of Distributor Financing Program with Bank (together with treasury department arranging suitable banking partners, co-reviewing the agreement and becoming middle contact between bank and distributors
- Co-author of company's credit policy
- To ensure credit operations are complied with internal controls and government regulations.
- Offered insight to upper management regarding credit conditions through country credit counsel.
- Prioritized tasks to meet or exceed timelines and supervised multiple credit related responsibilities at same time.
Country Solution Risk Manager
Schneider Indonesia
09.2014 - 10.2020
- Report directly to Regional Risk Manager and dotted to Country CFO, i support big projects across businesses within Indonesian territory with customers ranging from government, local, and multinational companies. Starting from the selling phase of the Customer Project phase up to contract signature, my role is to support complex and risky projects to achieve targeted margins, identify manageable risks, and obtain required approvals.
- Support opportunity leaders and tender managers in Project Opportunity Management and Bid Preparation
- Participate in Risk and Opportunities tender meeting and perform a 360 review on the projects: project management, project schedule, contractual, technical, financial, and suppliers, with a focus on early identifying risks.
- Evaluate project risks and compile review from Subject Expert Matters (Tax, Treasury, Credit, Solution Architect, Legal)
- Provide final recommendations on the project and request for approval
- Early identify to any deviations on the overall regional governance
- Develop a risk management awareness by coaching tender and sales team members.
- Involve in project negotiations with customer (if required)
- Developed strong relationships with internal stakeholders, promoting a culture of risk awareness and accountability.
- Achieved regulatory compliance by ensuring adherence to industry standards and guidelines related to risk management.
- Conducted regular audits of existing policies and procedures, ensuring their continued effectiveness in addressing organizational goals related to mitigating risks.
Credit Analyst
Schneider Indonesia
09.2012 - 09.2014
- Report directly to Country Credit Manager
- Assessed credit risk and analyzed financial statements.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Analyzed credit scores to determine borrowers' creditworthiness.
- Attended credit-related training and conferences to stay informed about industry trends and developments.
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
- Made decisions and recommendations about extending lines of credit.
- Participated in loan committee meetings to provide input on lending processes.
Transaction Management Senior Officer
ANZ Bank
02.2011 - 01.2012
- Prepare and provide credit agreement and secure related securities/collateral
- review credit application
- Established strong relationships with key clients to maintain customer loyalty and drive repeat business opportunities.
- Implemented innovative process improvements that enhanced productivity and reduced operational costs.
- Coached junior team members, fostering professional growth and improving overall team performance.
Credit Risk Control Officer for Wholesale Banking
Standard Chartered Bank
09.2008 - 02.2011
- Report directly to credit documentation manager, i prepare and provide credit agreement to Wholesale Banking Clients including securing required securities/collateral
- Monitored and reported on aligned group risk concentration, identifying current and emerging risk, assessing risk appetite and facilitating business dialogue.
- Reviewed internal controls documentation, evaluating adequacy and suggesting improvements where necessary.
- Ensured timely resolution of identified issues by coordinating efforts between various stakeholders.
Compliance Officer
PT. HM Sampoerna
12.2007 - 07.2008
- Assisted with internal and external audits to confirm compliance with applicable laws and regulations.
- Developed comprehensive training programs to increase employee awareness of compliance requirements and expectations.
- Managed relationships with regulators, maintaining open lines of communication to ensure transparent operations.
- Evaluated new regulations for potential impact on business operations, taking proactive measures to ensure readiness for implementation.
Education
Master of Science - International Business Management
Nottingham University
04.2001 -
Skills
Credit Risk
Timeline
Entrepreneur
Self-employeed
09.2022 - Current
Cash Management Specialist - Treasury Function
Schneider Indonesia
10.2020 - 06.2022
Senior Credit Analyst
Schneider Indonesia
07.2019 - 10.2020
Country Solution Risk Manager
Schneider Indonesia
09.2014 - 10.2020
Credit Analyst
Schneider Indonesia
09.2012 - 09.2014
Transaction Management Senior Officer
ANZ Bank
02.2011 - 01.2012
Credit Risk Control Officer for Wholesale Banking
Standard Chartered Bank
09.2008 - 02.2011
Compliance Officer
PT. HM Sampoerna
12.2007 - 07.2008
Master of Science - International Business Management
Nottingham University
04.2001 -
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