APRILIA UTAMI
Head Of Finance And Credit Operations
Depok
Summary
Finance professional with deep expertise in financial strategy, analysis, and risk management. Proven ability to drive financial health and operational efficiency through robust budgeting and forecasting. Strong focus on team collaboration and delivering impactful results. Adept at navigating dynamic business environments with adaptability and reliability.
Overview
13
13
years of professional experience
4
4
Languages
Work History
Head of Finance and Operation
PT Mediator Komunitas Indonesia (Crowdo)
10.2023 - Current
- Company Overview: (P2P Fintech Lending)
- Policymaking: Responsible for setting out OJK compliance, Finance, accounting policies, and SOP.
- Monthly Bookkeeping and Financial Statements
- Analyze costs, Pricing, variable contributions, sales results, and the company's actual performance compared to the business plan
- Managed and preparation of the company's budget: Annual budget and performance monitor treasury
- Manage and prepare company cashflow payments, including payment for insurance
- Support audit: Liaise with external auditors to ensure appropriate monitoring of company finances is maintained
- HR Related: Salary calculation and disbursement
- Manage and supervise the loan repayment cash disbursement to the borrower and cash repayment to the lender including the delay calculation and other loan preparation related to disbursements and repayment process
- Other duties as assigned by Senior Management
- Operational: Formulate credit operation strategy with others in the team
- Designs policies and work instructions that align with the overall strategy
- Implement efficient processes and standards
- Ensure compliance with OJK and other local regulations related to credit operation
- Supervise OJK Reports and other performance metrics of the loan
- Responsible to supervise and make sure that the communication of insurance is delivered as mentioned in SOP
- Responsible for recognizing and Mitigate the industry risk related to credit operation
- Analyze the implication of any decision related to credit operation
- Mentor and motivate teams to achieve productivity and engagement
Accounting and Finance Senior Manager
PT Mediator Komunitas Indonesia (Crowdo)
08.2020 - 09.2023
- Company Overview: (P2P Fintech Lending)
- Making Financial Reports Monthly from Journal or basic transaction using Excel Manually.
- Making Budgeting reports for management Monthly and yearly. And also present to managements for the budget and how is impacted to the company.
- Making cash reconciliation for cash transaction in Platform and bank statement for off balance sheet.
- Dealing with External Auditor and Actuary for Annual Reports and ISO Auditor for ISO Certifications.
- Process all transactions related payments in P2P platform and reconcile it with the bank or escrow accounts.
- Dealing and review Tax Reporting from consultants. Weather it's WHT art 21, art 23, art 4(2) Final, art 26, etc. And also checking the corporate income tax yearly that consultants made.
- Doing input and ask approval for all payments in bank transaction. Weather it's operational transaction or Escrow accounts/ off balance sheet transactions.
- Dealing and Checking with collection team regarding the collected amount from borrower, and also checking the loan which need restructure. And checking all repayment not only for the principal and Interest but also checking weather it will be late charge and delayed interest.
- Calculate the Incentive for the collection department and RM Hunter portion if they achieve the KPI.
- Calculate the salary and process the payment to all employee, it's already include checking BPJS and Tax WHT art 21 from consultants.
- Helping to make preparation data for reporting to OJK (Finance Related Reports) for regular base and Dealing with Audit OJK related finance.
- Dealing with worldwide transactions as Lender come from overseas
- Helping management related with pricing maker for business.
- There's 1 subordinate staff and 1 internship in Accounting and Finance Team.
- Reporting to COO in Indonesia and also CEO and CCO in Singapore.
- Using Excel and Xero Accounting System
Finance Manager
NEW ZEALAND SCHOOL JAKARTA
07.2019 - 08.2020
- Review and Reporting Financial Managements with the budget and forecasting reports to Management
- AR and AP Aging, and collection AR for all Invoice that been issued.
- Review tax art 21, 23, 4(2) and other tax calculation that consultants made, before submit.
- Review Sales Invoice that staff made before sending to customer
- Made SOP related Purchasing process in operational division. All cost fund follow the SOP and budget.
- Making SOP for Finance and Accounting Division
- Helping Head of School for Managing HR and GA Division, such as maintain BPJS, review the agreement contract for new employee, etc.
- Reporting directly to Head of school and Member of board School.
- Using the Zahir and Xero Accounting System
Accounting Consultants Team Leader
PT JAPAN ASIA CONSULTANTS
10.2016 - 07.2019
- As a Team Leader is more responsible to reviewing and final analyze the financial statements that my team made before reported it to manager.
- Helping team to solve their problem related their clients.
- System used is Excel, Accurate, and bridge note Accounting System
- As Consultants, my clients that I handle are manufacturing Company, Trading Company, Service Company, Project Base Company, Project which is not just offer design but also their product in it, and Manufacture company as per request product. And always liaise with external auditor which is big 4 or Big 10 Auditor.
- Reporting directly to Assistant manager, manager, Japanese Manager and Japanese Director. It depends on client's purposes. Sometimes needs to be directly handled to higher superior level.
- List of Clients: PT Trim Rubber (Manufacture), PT CBC Prima (Trading), PT Chunetsu Indonesia (Manufacture), PT Itoki Solutions Indonesia (Wholesale Trade and Service Project), PT Itomol Indonesia (Manufacture), PT Kakuichikasei Indonesia (Manufacture), PT Ryuu Industry Indonesia (Manufacture), PT Iwatani Indonesia (Trading)
Accounting Consultant Staff
PT JAPAN ASIA CONSULTANTS
08.2012 - 09.2016
- As accounting consultants, Making financial statements from scratch including set COA (chart of account), and review the reports with assistant manager before reports it to Japanese Manager. And give some analyze reports or notes, especially if there's any materiality transactions.
- Giving advices to clients related their problems in finance, accounting, and Tax issue. Make sure that the clients already doing the proper filing for Every documents.
- Giving training to new clients or to new staff related financial reports process and how to making the proper data and filing. And giving suggestion related making new SOP.
- Liaise with the Tax team and review/checking their reports related the tax reports and checking the SPT and tax invoice which need to match with the reports
- Liaise with Salary team and review/checking their reports related salary calculations details which need to match with the reports.
- Liaise with the stock team and review/checking their reports, related stock reports for manufacture/trading/ or any company which having stock/inventory, and match it with the financial reports.
- Prepare Data for External Auditor such as: General Ledger.- Financial Report. List Detail for A/R, A/P, Accrued, Long/Short Term Loans. Agreement. Reconcile Vat with GL Sales, GL Prepaid Vat - Vat Out.- Other's Documents needed.
Education
Bachelor's Degree (S1) - Economic Accounting
University of Pancasila
High intermediate Level - English - undefined
LBPP LIA
Japan Language - Elementary Level - undefined
FIB-UI Lembaga Bahasa Internasional
Conversation in English- Intermediate level - undefined
LBPP LIA
Skills
Account reconciliations
A/R and A/P Aging
VAT returns
Tax Art 21, 23, 4(6), 25 Checking
Accrual accounting
Cash base accounting
Foreign Exchange case
Bridge Note Accounting System
Data entry MS Office & Excel
Analyzing financial data
Numeracy skills
Numeric calculations
Team player
Listening skills
Self motivated
Multi-tasking
Setting priorities
Number crunching
Attention to detail
Brevet AB tax certified
Brevet C tax Certified
Ms Office
Ms Words
Ms Excel
Internet Browser
Xero Accounting System
Zahir Accounting System
Google Mail
Google Drive
Google Sheets
Google Docs
Outlook Mail
Mandarin HSK 1 Certification
Personal Information
Date of Birth: 04/28/91
Training
- Seminar Nasional Peluang Pertumbuhan Pasar Asuransi Syariah di Indonesia, 2011
- Seminar Open mind for your right choice to be Employer or Entrepreneur, 2011
- Seminar Entrepreneurship 'Pintar mencari kaya dengan Wirausaha', 2009
- Seminar 'Berwirausaha Dengan Modal Kecil, Why Not!', 2010
Certificate Of Training
- Data processing with statistics Program for Social Science (SPSS), 2011
- Computer Application, 2009
- Basic financial accounting training - trading company, 2009
- Basic financial accounting training - manufacture company, 2010
- Computer Accounting, 2010
- Advanced financial accounting training, 2011
- Auditing Training, 2011
- Budgeting Company Training, 2011
- Financial accounting training, 2010
- Taxation Training, 2011
- PSAK 72 and 73 Training By Grant Thornton, 2019
- Presentation of financial statements for FINTECH, 2020
- Brevet Tax AB Certificate, 2022
- Brevet Tax C Certificate, 2022
Timeline
Head of Finance and Operation
PT Mediator Komunitas Indonesia (Crowdo)
10.2023 - Current
Accounting and Finance Senior Manager
PT Mediator Komunitas Indonesia (Crowdo)
08.2020 - 09.2023
Finance Manager
NEW ZEALAND SCHOOL JAKARTA
07.2019 - 08.2020
Accounting Consultants Team Leader
PT JAPAN ASIA CONSULTANTS
10.2016 - 07.2019
Accounting Consultant Staff
PT JAPAN ASIA CONSULTANTS
08.2012 - 09.2016
High intermediate Level - English - undefined
LBPP LIA
Japan Language - Elementary Level - undefined
FIB-UI Lembaga Bahasa Internasional
Conversation in English- Intermediate level - undefined
LBPP LIA
Bachelor's Degree (S1) - Economic Accounting
University of Pancasila