Daniel Kurniawan

• Implemented innovative solutions to overcome challenges faced during international negotiations and contract discussions.
• Provided executive-level leadership during periods of organizational change, maintaining morale and productivity among employees.
• Enhanced cross-functional collaboration between departments for better alignment of resources towards strategic objectives.
• Aligned company vision with internal communication campaigns-fostering a culture of innovation, collaboration, and continuous improvement across all levels of the organization.

• Collaborated with executive leadership on strategic planning initiatives to drive business growth.
• Developed comprehensive training programs for staff, enhancing team performance and skill sets.
• Implemented risk assessment procedures to minimize potential disruptions across all areas of operation.
• Led cross-functional teams to achieve company goals, fostering collaboration and communication.
• Streamlined operational processes by identifying inefficiencies and implementing best practices.

• Continuously monitored branch performance against key performance indicators, taking corrective actions as needed to ensure objectives were met or exceeded.
• Enhanced staff competency with regular training sessions, boosting productivity levels across the branch operations.
• Managed branch financials including budgeting, forecasting, and expense tracking for accurate reporting and decision-making support.
• Developed a high-performing team through targeted recruitment, training, and performance management initiatives.

• Developed comprehensive credit policies to ensure compliance with regulatory requirements and industry best practices.
• Optimized the credit approval process by integrating automation tools, improving response time and reducing human error.
• Mentored and coached junior team members, fostering their growth in both technical skills and overall professional development.
• Enhanced credit management processes by implementing risk assessment strategies and streamlining decision making.

• Evaluate credit applications for small and medium enterprises (SMEs), ensuring compliance with bank policies and regulatory standards.
• Serve as the sole representative from NSW, guiding and mentoring junior credit assessors across Australia.
• Lead In-Flight Check (IFC) audits for all assessors, both in Australia and offshore, ensuring accuracy and adherence to guidelines.
• Monitor and enhance the quality of credit assessments, providing feedback and implementing improvements.
• Conduct thorough credit risk assessments to identify and mitigate potential risks.
• Work closely with internal teams to streamline credit processes and support efficient decision-making.

• Exceeded monthly sales targets consistently by cultivating a high-performance team focused on meeting organizational objectives.
• Collaborated with underwriters to ensure timely and accurate loan decision-making while managing risk exposure.
• Increased loan application approvals by developing strong relationships with clients and providing personalized financial guidance.
• Cross-trained existing employees to maximize team agility and performance.

• Reduced delinquency rates by closely monitoring account performance and implementing timely interventions.
• Trained new employees on policies, procedures, and best practices to enhance team performance.
• Developed tailored financing solutions for diverse clientele, meeting individual needs while mitigating risks.
• Collaborated with underwriting team for accurate risk assessment and informed decisionmaking.

• Supported the Branch Manager with daily tasks, ensuring smooth branch functioning and effective communication amongst team members.
• Trained and developed new team members in alignment with branch service standards and objectives.
• Trained and mentored new employees, fostering a positive work environment that led to higher retention rates.
• Responded to customer concerns, working with manager to significantly raise customer satisfaction ratings.
• Facilitated internal audits and prepared detailed reports on findings.

• Delivered exceptional service by quickly resolving any account-related issues and providing timely updates on relevant market developments, contributing to client satisfaction and long-term loyalty.
• Conducted regular portfolio reviews, identifying opportunities for improvement and growth.
• Increased client satisfaction by providing tailored financial advice and personalized investment strategies.
• Developed and cultivated lucrative relationships with both new and existing clients through effective communication and exemplary interpersonal skills.

• Identified and resolved customer issues promptly, ensuring a high level of customer satisfaction.
• Provided detailed information about ASB's banking products and services, helping customers choose the best options for their needs.
• Supported customers with account management tasks, including opening new accounts, updating information, and managing transactions.
• Identified opportunities to cross-sell and up-sell banking products, contributing to the achievement of sales targets.

• Managed daily operations to ensure smooth functioning of the store, maintaining a clean, safe environment for customers and employees.
• Managed inventory control, cash control, and store opening and closing procedures.
• Assisted with hiring, training and mentoring new staff members.
• Completed point of sale opening and closing procedures.