ELVA RIVIANA
Jakarta
Summary
Results-driven financial professional with expertise in credit risk management, asset recovery, and portfolio management. Delivered revenue growth and operational efficiency through effective risk management and regulatory compliance. Skilled in strategic planning and client relationship management, achieving significant asset growth and receiving multiple performance accolades. Committed to optimising financial operations and driving organisational success.
Overview
19
19
years of professional experience
1
1
Certification
Work History
Career Break
Housewife
Jakarta
09.2017 - Current
Head of Account Receivable (A/R)
PT. Tifa Finance
Jakarta
02.2017 - 09.2017
- Reported directly to director of credit and risk management.
- Assisted in developing strategies for handling classified assets to prevent losses and maximise recovery.
- Managed accounts receivable for the company.
- Coordinated with internal and external parties to implement best credit and risk strategies for classified accounts.
- Communicated proactively with creditors to seek solutions for restructuring.
- Identified issues, analysed information and provided solutions to problems.
Head of Special Asset Management
PT. Intan Baruprana Finance
Jakarta
12.2015 - 02.2017
- Assisted in reporting directly to director of credit and risk management.
- Supported development of strategies for managing classified assets to prevent losses and maximise recovery.
- Helped in managing company accounts receivable.
- Coordinated with internal and external parties on classified accounts to implement best credit and risk strategies.
- Communicated proactively and participated in discussions with creditors to explore restructuring solutions.
Deputy Head of Credit and Risk Management
PT. Intan Baruprana Finance
Jakarta
05.2015 - 11.2015
- Assisted head of credit and risk management in overseeing operations.
- Supported leadership of 7 sub-divisions including credit review, collections, remedial asset management, custodian insurance, and credit administration.
- Helped manage assets totalling over IDR 3.5 trillion.
Associate Vice President (AVP) and Branch Manager
Commonwealth Bank
Bandung
11.2012 - 02.2015
- Supported senior vice president and area head in branch operations.
- Assisted in achieving bank revenue targets through effective team management.
- Ensured compliance with Bank Indonesia and OJK guidelines for branch operations.
- Collaborated with sales team to promote onshore/offshore investment products and bancassurance offerings.
- Managed customer funds and portfolios exceeding IDR 150 billion.
- Recognised as West Java's best Commonwealth branch manager in 2014.
- Contributed to over 400% increase in branch total assets under management.
- Implemented rigorous risk management procedures to safeguard company assets and ensure regulatory compliance.
Branch Manager
HSBC Bank
Bandung
04.2010 - 11.2012
- Report directly to Senior Vice President (SVP) and HSBC Head of Bandung Region
- Responsible to lead the branch to achieve Bank revenue target, maintain high degree of customer Satisfaction and ensure all branch operational are within guideline from Bank Indonesia (BI) and OtoritasJasa Keuangan (OJK).
- Lead the Branch Sales to team to generate branch revenue by selling series of Investment Products, Bancassurance, and Consumer Asset Products.
- 2011 HSBC Best Branch Manager Nominee in HSBC Small Branch category
- 2011 HSBC Branch Winner in Consumer Asset Competition.
Business Development Manager
HSBC Bank
Bandung
06.2009 - 03.2010
- Recognised as 2009 HSBC National Best BDM in Medium Branch Category for outstanding business development performance.
- Led team to acquire new customers and cross-sell HSBC banking products to existing clients, enhancing customer engagement and revenue.
- Oversaw daily activities of 20 junior relationship managers, ensuring operational efficiency and service quality.
- Report directly to Associate Vice President (AVP) and HSBC Flamboyan Branch Manager
Mid-Market and Direct Banking Manager
HSBC Bank
Bandung
01.2009 - 05.2009
- Report directly to Associate Vice President (AVP) Bandung Region for Payroll Proposition
- Responsible for Corporate Customer Acquisitions specific in payroll proposition
- Penetration of HSBC Banking Products through payroll channel.
Branch Manager Consumer Finance
HSBC Bank
Bandung
03.2007 - 12.2008
- Directed sales team to secure new customers, contributing to branch growth and client acquisition.
- Oversaw daily branch operations to uphold transparent underwriting procedures.
- Work closely with regional collection manager to monitor non-performing loans (NPL)
- Conducted market research identifying key opportunities for Pinjaman HSBC in Bandung, enhancing market presence.
- Created brand awareness for "Pinjaman HSBC" through impactful community events, strengthening local engagement.
- Report directly to Associate Vice President (AVP) Bandung Region for Consumer Finance
Education
Bachelor of Chemical Science -
University of Padjajaran
Bandung, Indonesia01-2000
Skills
- Credit risk management
- Risk assessment
- Portfolio management
- Asset recovery strategies
- Strategic negotiation
- Client management
- Team leadership
- Analytical thinking
- Creative problem solving
- Customer focus
- Communication skills
Custom
- Training Coaching for Success, HSBC
- S.M.A.R.T, HSBC LDV
- Fundamental Sales Activity, Asia Pacific Training Center
- Solve it! - Effective Decision Making Training, HSBC LDV
- Sales Manager Retention Tools Training, HSBC LDV
- CF Branch Manager Workshop, Bandung
- Seminars Credit Underwriting for SME, Bank Indonesia, Bandung
- Infobank Seminars - a new alternative source of financing in a world of uncertainty
Languages
Indonesian
Proficient
C2
English
Upper Intermediate
B2
Certification
- BSMR Level 2 (Risk Management Certification)
- WAPERD Licensed (Indonesia Investment Product Certification)
- AAJI Licensed (Indonesia Insurance Certification)
- BONDS and Structure Deposit Accredited
- Islamic Banking Accredited
Interests
- Read
- Sports
- Movies
Personal Information
Available: 2026-01-01
Timeline
Career Break
Housewife
09.2017 - Current
Head of Account Receivable (A/R)
PT. Tifa Finance
02.2017 - 09.2017
Head of Special Asset Management
PT. Intan Baruprana Finance
12.2015 - 02.2017
Deputy Head of Credit and Risk Management
PT. Intan Baruprana Finance
05.2015 - 11.2015
Associate Vice President (AVP) and Branch Manager
Commonwealth Bank
11.2012 - 02.2015
Branch Manager
HSBC Bank
04.2010 - 11.2012
Business Development Manager
HSBC Bank
06.2009 - 03.2010
Mid-Market and Direct Banking Manager
HSBC Bank
01.2009 - 05.2009
Branch Manager Consumer Finance
HSBC Bank
03.2007 - 12.2008
Bachelor of Chemical Science -
University of Padjajaran