Arief Pradana Erlangga

Responsibilities

• Lead the end-to-end implementation of the Bank’s Integrated Risk Management Framework, ensuring compliance with POJK/SEOJK, Basel standards, and internal policies.
• Oversee credit risk management across Corporate, SME/Commercial, and Consumer portfolios, including ICRR frameworks, sectoral exposure analysis, and provisioning adequacy (ECL/CKPN).
• Direct market & liquidity risk oversight, covering IRRBB, FX exposure, investment portfolio (SBN/Sukuk) monitoring, LCR/NSFR, and deposit-behavior modelling.
• Manage enterprise-wide stress testing and scenario analysis, integrating credit, capital, market, and liquidity impacts into strategic planning.
• Govern the development, calibration, validation, and monitoring of risk models (PD-LGD-EAD, credit scorecards, behavioral analytics).
• Deliver comprehensive risk reporting to Direksi, Komisaris, and OJK, including dashboard analytics, portfolio insights, and early-warning indicators.
• Provide strategic risk advisory to Business Units, supporting product programs, pricing frameworks, and growth strategies aligned with Risk Appetite.
• Lead a multi-disciplinary team of risk officers; drive capability-building in analytics, modelling, and regulatory compliance.

Key Achievements

• Strengthened credit portfolio quality, contributing to a reduction in NPF Gross/Nett through proactive monitoring and early-warning actions.
• Successfully implementing ICRR (Internal Credit Risk Rating), enabling more consistent and risk-sensitive credit decisioning across business lines, includes implementing credit scoring tools in SME & consumer segments.
• Improved IRRBB, liquidity risk, and DCR monitoring, leading to better preparedness for market and funding stress conditions.
• Designed and implemented multi-scenario enterprise-wide stress testing (Normal–Moderate–Severe), influencing capital planning and risk mitigation strategies.
• Delivered enhancements to PD-LGD-EAD models by enhancement through macroeconomic variables, credit scorecards, and deposit-behavior analytics, improving ECL accuracy and portfolio-risk insights.
• Developed sectoral risk guidelines and portfolio heatmaps to support targeted lending strategy and risk diversification.
• Strengthened investment-portfolio risk oversight, including yield-sensitivity and MTM volatility analysis for SBN/Sukuk holdings.
• Implemented climate risk stress testing framework aligned with global and OJK expectations, enabling the Bank to assess transition risk, physical risk, and portfolio resilience under ESG scenarios.
• Digitalized risk reporting through dashboards and data-driven analytics, reducing manual processes and improving decision quality.
• Built and mentored a high-performing risk team, improving analytical modelling capability and enterprise-wide risk awareness.