Bambang Feryadi
SME & Micro Risk Head
Jayapura,PA
Summary
Experienced SME & Micro Risk Head, managing portfolio SME & Micro business aggressive but prudent in complex situation. Over 16 years of wild experience as IT, Big data, consumer, productive credit enthusiast and talented leader.
Overview
10
10
years of professional experience
5
5
years of post-secondary education
Work History
SME & Micro Risk Head
PT Bank Mandiri (persero) Tbk
Papua
09.2021 - Current
- Manage portfolio SME & Micro Biz at Papua region (Credit Outstanding growth (more than IDR 4 Trio, Cost of Credit, Performing loan)
- Increase market share on SME & Micro Manage to be 30% as market leader thru to Support business goals by collaborating on creating product program ( business cluster FMCG, prime customer, micro biz upgrade, exception).
- Credit Approver SME credit limit till IDR 10 Bio
- Creating end to end monitoring and improve business process ( Manage credit proposal SLA, General meeting RTTA, provide analytics dan Process/program review)
- Led Team consist 2 TL and 14 Officer (Manning, budget, career path)
Executive Credit Officer
PT Bank Mandiri (Persero) Tbk
Palembang
07.2020 - 09.2021
- Approved SME credit proposal till IDR 5 Mio or above as Recommending /Review credit proposal to board of directors
- Create and risk assessment on product program to grab opportunity (Invoice Financing, Trust Receipt, Working capital, investment credit)
- Improved business process to speed up TAT and lead data take up rate
SME Senior Risk Manager
PT Bank Mandiri (Persero) Tbk
Jakarta
11.2019 - 07.2020
- Developed team and collaborate with business unit to execute pipeline and process credit proposal.
- Approved SME Credit Proposal till IDR 5 Bio and as reviewer for proposal limit above IDR 5 bio
- Monitored portfolio at 2 area ( region consist many areas) to keep good performance (credit Os growth and low non performing loan).
- Participated in team-to create and risk assessment product program (WSBP IF, WIKA IF, etc)
EBanking Channel Risk Team Leader
PT Bank Mandiri (Persero) Tbk
Jakarta
11.2017 - 05.2018
- Accomplished risk assessment/advice more than 20 IT Project Initiative (e-Banking : ATM, EDC, ecommerce, merchant) and wealth management product (Mutual fund and customer relationship management) within applicable standards, policies and regulatory guidelines
- As part of more than 5 voting member team to give recommendation IT /System Migration
- Perform with all units to improves business & Operation process in e-Banking Channel.
- Established comprehensive assessment and post review on marketing program on merchant acquiring
- Familiar on SDLC, Agile, Core Bank system, NPG, Visa/Master/Payments Gateway/Merchant transaction process.
Risk Assurance Consumer Credit Team Leader
PT Bank Mandiri (Peresero) Tbk
Jakarta
11.2009 - 07.2016
- Conduct on Profiling and risk assessing on 3,3 Mio account and IDR 4 Trio outstanding credit card portfolio ( Credit Limit increase program, transaction parameter, marketing program )
- Conduct risk assessment on unsecured loan (personal loan, micro credit) thru portfolio analysis, thru door analysis etc.
- Perform with team of Business Process Reengineering Initiative Project especially Credit Card and Consumer loan segment ( mass underwriting system).
Education
Sarjana Teknik - Mechanical Engineering
Institue Teknologi Bandung
Bandung 08.1999 - 10.2004
Skills
Portfolio management
Credit Underwriting
Managing team
Data analytics
Data mining
Policy and Procedure
Planning and Coordination
Timeline
SME & Micro Risk Head
PT Bank Mandiri (persero) Tbk
09.2021 - Current
Executive Credit Officer
PT Bank Mandiri (Persero) Tbk
07.2020 - 09.2021
SME Senior Risk Manager
PT Bank Mandiri (Persero) Tbk
11.2019 - 07.2020
EBanking Channel Risk Team Leader
PT Bank Mandiri (Persero) Tbk
11.2017 - 05.2018
Risk Assurance Consumer Credit Team Leader
PT Bank Mandiri (Peresero) Tbk
11.2009 - 07.2016
Sarjana Teknik - Mechanical Engineering
Institue Teknologi Bandung
08.1999 - 10.2004