Ardeanto Prayoso
Jakarta Timur
Overview
16
16
years of professional experience
Work History
Trainee
PT. Bank Rakyat Indonesia (Persero), Tbk
06.2009 - 06.2010
- Company Overview: The Intensive Management Trainee Program of PPS (Program Pengembangan Staff), also known as ODP ( Officer Development Program), was held for one year, which includes class training and on the job Training in order to develop skill and knowledges on different banking business units (e.g. funding, lending, treasury, capital markets, and other financial banking services).
- The Intensive Management Trainee Program of PPS (Program Pengembangan Staff), also known as ODP ( Officer Development Program), was held for one year, which includes class training and on the job Training in order to develop skill and knowledges on different banking business units (e.g. funding, lending, treasury, capital markets, and other financial banking services).
Executive Officer of Liabilities and Banking Services Division
PT. Bank Rakyat Indonesia (Persero), Tbk
Jakarta
06.2010 - 06.2011
- As a Executive Officer, I create concept of sales and marketing program for mass banking products such as Saving account (Tabungan BRI BritAma), current account, and Time deposit, which used by whole BRI Branch's around of Indonesia to increase funding composition like customer base, amount, and retail portofolio composition with the strategy of acquitition, retention, and loyalty program.
- Program Deposito Bunga Dibayar di muka, increase retail portofolio of Time Deposit with amount Rp. 550 Million and 2000 new Customer growth only in 3 Months.
- Program Giro Berhadiah, which program consists of the acquisition, retention, and loyalty programs. The program provides free trading facility, member get member, gadgets and gifts in the form of direct interest to our customers. The program succeeded in increasing total retail demand deposit funds of Rp. 2 trillion by 5000 new customer growth within 6 months.
- Program Untung Beliung BritAma, is a lottery program for customers who open a new savings account, increase the bank balance and transaction active through ebanking. This program is a national program with attractive prizes. The program succeeded in increasing national savings fund of Rp. 4 trillion in 6 months.
- Lucky raffle event organizing and event sponsorship Britama pickaxe that involves a third party to increase the number of new savers and increasing savings balances.
- Fostering and monitoring for regional offices BRI Semarang, Surabaya, Banjarmasin, and Padang in order to achieve the target of providing education for yearly RKA with funding officer to be more productive.
Account Officer Staff of Credit Retail Non Performing Loan
PT. Bank Rakyat Indonesia (Persero), Tbk
Cilacap, Central Java
06.2011 - 10.2012
- Managed to reduce non-performing loans from the credit position of Rp. 18 billion to Rp. 9 billion within a period of 6 months and managed to pull out a branch from a position of 60 large non-performing loan portfolio of the highest national.
- Doing auction collateral, loan restructuring and loan resolution to reduce the amount of non-performing loans loan. Active coordination and establish good relationships with the auction office called KPKNL.
- Successfully auctioned 45 auction collateral, loan restructuring Rp. 2.5 billion, and completion of credit of Rp. 2 billion in a period of 1 year.
- Perform activities for the acquisition of permanent employees and retirees to move the loan account at the bank bri. Their previous loans from the post office and Bank Mandiri.
- BritAma fair organized event, where the event is BritAma account acquisition, and introduced BRI electronic money known as Brizzi used for payment transactions at merchants in the city of Cilacap.
Credit Risk Analyst for Retail and Medium Credit Loan
PT. Bank Rakyat Indonesia (Persero), Tbk
Jakarta
10.2012 - 07.2013
- Conduct credit analysis of branch offices and initiatives related to the mitigation of risk, equity loans, credit growth to produce a healthy and prudent.
- Analyzing credit has worked with Bank BRI as Pertamina EP, Medco, Mitra PP, Mitratel and credit credit BO1 the source of the funds from the government or the state budget funds.
Marketing Manager (Lending and Funding)
PT. Bank Rakyat Indonesia (Persero), Tbk
Bogor, West Java
07.2013 - 09.2014
- I am a marketing team leader with 12 person team supervises the marketing loan and 3 person marketing fund.
- Enhance the growth of retail loans (Rp 500 Milion - Rp 5 Billion) amounted to Rp. 35 billion within six months, with the percentage of achievement against the target of 130% above the target of budget work.
- Increase government loans (KUR) 4 billion for 6 months with 110% achievement of the above targets. In addition it also managed to increase the credit KKPE 3 billion loan for 6 months with the achievement of 120% above the target. consumer credit banking can increase 7 billion in 6 months time.
- Increasing retail funds that Current Account, Savings and Time Deposits of Rp. 300 billion in 6 months with a program of acquisition, retention, and loyalty. The program is carried out is to do marketing to institutions, schools, offices, cooperation with merchants. In addition to increased funding also marketing and electronic banking and elektoronik channell.
Sub Branch Manager
PT. Bank Rakyat Indonesia (Persero), Tbk
Jakarta
10.2014 - 06.2016
- I am a Sub branch Manager with 14 person team supervises the marketing team and Operational Team.
- Managing a total savings of Rp .74 billion and loans amounting to Rp 15 billion in 2015.
- Increase the proceeds in the form of the Current, Savings, and retail deposits accounts and commercial loans in accordance set targets. Achievement has been achieved in 2014 is to fund reached 105%, and 112 % at 2015. Loans reached 102% at 2014 and 125 % at 2015 above target.
- Keeping the sustained growth of the Bank's business and secure so as to encourage the optimal profit. Profit achieved 2015 was Rp. 2.2 Billion by percentage of bad loans at 0% on 2014 and 2015.
- Ensure the operational activities of the Bank run by the rules to minimize operational risk. The level of fraud during 2014 and 2015 was 0%.
- Improve the standards of banking services to create Customer satisfaction. Corresponding value of MRI Banking In 2015, we obtained the fifth highest score Regional Office Jakarta 1.
Sub Branch Manager
PT. Bank Rakyat Indonesia (Persero), Tbk
Jakarta
07.2016 - 08.2018
- Increase the proceeds in the form of the Current, Savings, and retail deposits accounts and commercial loans in accordance set targets. Achievement has been achieved in 2016 is to fund reached 101%, and 122 % at 2017. Loans reached 108% at 2016 and 125 % at 2017 above target.
- Keeping the sustained growth of the Bank's business and secure so as to encourage the optimal profit. Profit achieved 2017 was Rp.6 Billion by percentage of bad loans at 0% on 2016 and 2017.
- Ensure the operational activities of the Bank run by the rules to minimize operational risk. The level of fraud during 2014 and 2015 was 0%.
- The Winner of BRI Excellence Award 2017 categori The Best Sub Branch class 2 in Indonesia and The Lower the better award 2017 for third rank in Regional Jakarta 1 class Sub Branch.
Branch Manager
PT. Bank Rakyat Indonesia (Persero), Tbk
Padang Sidempuan, North Sumatera
09.2018 - 06.2020
- I am a Branch Manager with 205 person team supervises the marketing team and Operational Team of Branch and Sub Branch in local area.
- Increase loans by 116% YoY in 2019 and increase deposits by 117% YoY in 2019. Decrease Non Performing Loan (NPL) 11 % lower than 2018.
- Keeping the sustained growth of the Bank's business and secure so as to encourage the optimal profit. Profit achieved 2019 was Rp. 60 Billion by percentage of non performing loans at 2.59% on 2019.
- Ensure the operational activities of the Bank run by the rules to minimize operational risk. The level of fraud during 2018 and 2019 was 0 %.
Branch Manager
PT. Bank Rakyat Indonesia (Persero), Tbk
Duri, Riau
07.2020 - 12.2021
- Managing 300 Employees with 14 Work Units with Zero Fraud.
- Increasing savings by 42% over a year.
- Increasing Loans by 34% over a year, namely Retail and Micro segment loans.
- Reducing NPL from 8% to 5.5% over 1.5 years.
- Increasing Profit by 26% over a year.
- Achieving the 2nd best branch ranking in 2021 in all Pekanbaru Regional offices.
- 2nd Best Culture activation program ranking throughout Indonesia in 2021.
Branch Manager
PT. Bank Rakyat Indonesia (Persero), Tbk
Cimanggis, West Java
01.2022 - 06.2023
- Manage 120 Employees with 11 Work Units with zero fraud. The work units consist of 4 retail work units and 7 Micro work units.
- Increase deposits by 12% over a year.
- Increase loans by 9% over a year, namely Retail and Micro segment loans.
- Reduce NPL from 6% to 4.3% over 1.5 years.
- Increase Profit by 19% in a year.
- Achieve the 2nd best branch ranking in 2022 in all Jakarta Regional offices 2.
- Increase market share of deposits in 2022 by 0.42% and loans by 0.01% YTD.
Senior Branch Manager
PT. Bank Rakyat Indonesia (Persero)
Sunter, North Jakarta
07.2023 - 05.2025
- Increase deposits by 6% in a year.
- Increase Profit by 12% in a year.
- Increase market share of deposits in 2024 by 0.09% with low cost of funds.
- Increase 3000 new Merchants with a sales volume of 7 T in 1 year.
- Build a CASA Ecosystem business of IDR 500 M a year.
Assistant Vice President
PT. Bank Rakyat Indonesia (Persero)
Tangerang Selatan
06.2025 - Current
- Monitoring growth of outstanding small business loan segment in a sustainable.
- Decrease Loan at Risk below of 15 % in a year.
- Monitoring source of pipeline success rate to be executed by relationship manager.
- Provide training for upgrade skill for RM with target productivity RM at Kuadran 1 &2.
Summary
Seasoned banking professional with 15+ years of progressive
experience in retail, micro, and commercial banking at PT Bank
Rakyat Indonesia (Persero), Tbk. Proven track record in driving
sustainable business growth, increasing deposits and loan portfolios, reducing NPLs, and improving profitability. Skilled in branch operations management, credit risk analysis, and relationship management coaching. Recognized for achieving top branch performance rankings, leading large teams with zero fraud, and building CASA ecosystems to strengthen market share. Results-driven management professional with proven track record in leadership and operational strategy. Adept at driving organizational growth and enhancing productivity through effective team collaboration and strategic initiatives. Recognized for adaptability and commitment to achieving high standards and impactful results.
Timeline
Assistant Vice President - PT. Bank Rakyat Indonesia (Persero)
06.2025 - Current
Senior Branch Manager - PT. Bank Rakyat Indonesia (Persero)
07.2023 - 05.2025
Branch Manager - PT. Bank Rakyat Indonesia (Persero), Tbk
01.2022 - 06.2023
Branch Manager - PT. Bank Rakyat Indonesia (Persero), Tbk
07.2020 - 12.2021
Branch Manager - PT. Bank Rakyat Indonesia (Persero), Tbk
09.2018 - 06.2020
Sub Branch Manager - PT. Bank Rakyat Indonesia (Persero), Tbk
07.2016 - 08.2018
Sub Branch Manager - PT. Bank Rakyat Indonesia (Persero), Tbk
10.2014 - 06.2016
Marketing Manager (Lending and Funding) - PT. Bank Rakyat Indonesia (Persero), Tbk
07.2013 - 09.2014
Credit Risk Analyst for Retail and Medium Credit Loan - PT. Bank Rakyat Indonesia (Persero), Tbk
10.2012 - 07.2013
Account Officer Staff of Credit Retail Non Performing Loan - PT. Bank Rakyat Indonesia (Persero), Tbk
06.2011 - 10.2012
Executive Officer of Liabilities and Banking Services Division - PT. Bank Rakyat Indonesia (Persero), Tbk
06.2010 - 06.2011
Trainee - PT. Bank Rakyat Indonesia (Persero), Tbk
06.2009 - 06.2010