Deviana Soehardi

· Manage credit portfolio risks and perform credit risk assessment.

· Identify early signs of delinquency and implement mitigation strategies to prevent losses.

· Keep abreast of industry and market developments to improve credit analysis processes and drive continuous improvement.

· Led and mentored a team of credit analysts to enhancing evaluation efficiency and accuracy.

· Perform credit assessment of customer considering financial condition, credit history, industry trends, and other relevant factors and providing recommendations for credit worthiness

· Responsible of risk oversight for the credit process, credit approval and business risk.

· Ensure that all credit decisions are made properly and accurately. involve detailed analysis, and reflect the company's policies and risk appetite.

· Perform other duties as may be requested from time to time.

• Supervised day-to-day operations to meet performance, quality and service expectations.
• Developed strong working relationships with staff, fostering a positive work environment.
• Preparing monthly report to BOD.

• Continuously monitored branch performance against key performance indicators, taking corrective actions as needed to ensure objectives were met or exceeded.
• Maintained friendly and professional customer interactions.
• Increased branch profitability by implementing cost-saving measures and streamlining operational processes.

· Assess credit worthiness and present recommendations to the Credit Committee for decision-making.

· Conduct market visits to dealers, agents, and competitors to monitor trends and gather competitive intelligence.

· Develop and implement new financing products/packages based on market demand and risk assessment.

· Lead and supervise a team of 11 Credit Analysts (DKI Jakarta region), ensuring consistent credit policy application.

· Prepare and present monthly performance reports to branch and regional management for strategic decision-making

· Provide recommendations to the credit committee on credit worthiness through the 1P 5C analysis principle.

· Conduct a feasibility survey

· Supervise 1 independent surveyor

• Improved management skills by participating in training programs and workshops.
• Assisted supervisors in setting clear goals, establishing priorities, and monitoring progress to ensure successful completion of tasks.