Summary
Overview
Work History
Education
Skills
Timeline
Hi, I’m

Fabio Refly Kairupan

Profesional Manager
Bandung
Fabio Refly Kairupan

Summary

Experienced professional with extensive experience in the financial services industry. Result oriented leader with a solid 16 years of experience in automobile financing company. Adept in formulating and spearheading sales strategy combined with passion in an organizational and people development.

Results-driven Profesional Manager accustomed to overseeing operations with strong attention to detail. History of meeting demanding group objectives through employee training, motivation, and performance management. Working knowledge of optimal practices and safety behaviors for [Area of expertise].

Reliable Area Manager successful at operating in high-volume, fast-paced environment. Skilled in leading teams to meet objectives on stringent timelines. Empowering leader with superior communication and collaboration abilities demonstrated over 16 years of management performance.

Overview

16
years of professional experience
5
years of post-secondary education

Work History

PT Woori Finance Indonesia

Area Manager
02.2025 - Current

Job overview

  • Developed strong relationships with clients, leading to increased customer satisfaction and repeat business.
  • Improved overall efficiency by identifying areas in need of improvement and implementing necessary changes.
  • Led a team to achieve company goals and exceed targets consistently, fostering a positive work environment.
  • Transformed underperforming teams into productive, profitable teams.
  • Conducted training sessions to educate employees on best practices and procedures to increase profitability.
  • Achieved established KPI for company, regional team and individual performance through teamwork and focus on customers.
  • Resolved problems with high-profile customers to maintain relationships and increase return customer base.
  • Maintained financial controls, planned business operations and control expenses while identifying and pursuing opportunities to grow business operations and boost profits.
  • Collaborated cross-functionally with headquarters, regional and other teams nationally to maintain consistent message and experience.
  • Recruited, interviewed and hired employees and implemented mentoring program to promote positive feedback and engagement.

PT. Woori Finance Indonesia

Branch Manager
06.2024 - 02.2025

Job overview

  • Executed sales and marketing strategy as well as managed NPL and payment overdue rates.
  • 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.
  • Maintained friendly and professional customer interactions.
  • Consistently achieved the overall sales target by >100% and kept the NPL rates at 0.6-1.8% on each assigned area.
  • Orchestrated coordination with local apparatus and authorities in order to secure recovered assets from the nonperforming loans.
  • Improved customer satisfaction ratings by enhancing service quality and resolving client issues promptly.

PT. Moladin

Dealer Consultan Manager
07.2023 - 10.2023

Job overview

  • Spearheaded the sales and agency for the lending and fleet dealer refinancing products, achieved over 20% above targeted revenue in the first 3 months.
  • Developed and maintained strong relationships with key customers such as individuals and SMEs, negotiating advantageous deals and financing contracts as well as maintaining engagements.
  • Analyzed market trends and responsible for the overall sales performance of the West Java region.

PT. Bank Perkreditan Rakyat Karyajatnika Sadaya (BPRKS)

Sales Manager - West Java Region
12.2022 - 06.2023

Job overview

  • Company Overview: Indonesia
  • Spearheaded the sales and marketing strategy for the lending and fleet financing products, achieved over 20% above targeted revenue in the first 3 months.
  • Built and fostered a high-performing field sales supervisor team of 6 members that consistently achieving and exceeding target.
  • Developed and maintained strong relationships with key customers such as individuals and SMEs, negotiating advantageous deals and financing contracts as well as maintaining engagements.
  • Analyzed market trends and responsible for the overall sales performance of the West Java region.
  • Indonesia

PT. SInarmas Multifinance

Head of Asset Recovery - National Coverage
05.2022 - 08.2022

Job overview

  • Company Overview: Indonesia
  • Spearheaded the account write-off and asset recovery activities for car and motorcycle units for nationwide coverage.
  • Supervised 134 team members from 114 branches all across Indonesia.
  • Managed and prioritized asset recovery tasks agenda to be executed by team members based on the case assessments and urgencies level.
  • Assessed and provided approvals for the submitted write-off and settlement memos from all regions and branches across Indonesia.
  • Indonesia

PT. SInarmas Multifinance

Head of Region - Jakarta Special Capital Region
11.2020 - 05.2022

Job overview

  • Company Overview: Indonesia
  • Owned the highest authority and managed end-to-end operations of 10 branches under Jakarta Special Capital Region's market coverage (e.g. Jakarta Roxy, Jakarta Fatmawati, Jakarta Cempaka, BSD, Bekasi, Depok, Bogor, Cikarang, Karawang, and Sukabumi).
  • Executed sales and marketing strategy as well as managed NPL and payment overdue rates.
  • Achieved the overall sales target by 105-115% and kept the NPL rates at 0.5-1.5% for two consecutive years.
  • Orchestrated coordination with local apparatus and authorities in order to secure recovered assets from the nonperforming loans.
  • Indonesia

PT. SInarmas Multifinance

Sr. Branch Manager - Multiple Area Placements
07.2013 - 11.2020

Job overview

  • Company Overview: Indonesia
  • Owned the highest authority and managed end-to-end operations of the assigned area(s).
  • Executed sales and marketing strategy as well as managed NPL and payment overdue rates.
  • Consistently achieved the overall sales target by >100% and kept the NPL rates at 0.6-1.8% on each assigned area.
  • Orchestrated coordination with local apparatus and authorities in order to secure recovered assets from the nonperforming loans.
  • Area placements: Manado (July 2013 - September 2014); Sumedang (September 2014 - November 2014); Bandung (December 2014 - June 2019); Cirebon (July 2019 - November 2020).
  • Indonesia

PT. SInarmas Multifinance

Operations Lead - Karawang Branch
06.2012 - 07.2013

Job overview

  • Company Overview: Indonesia
  • Orchestrated all of the operational and back-office activities with 20 staffs at Karawang Branch.
  • In charged for Vehicle Registration Document's (BPKB) archiving procedures for both car and motorcycle units.
  • Managed the branch's petty cash flow related to operational and fund disbursements as well as employee's payroll and insurance.
  • Indonesia

PT. SInarmas Multifinance

Marketing and Operations Trainer - Main Training Center
07.2011 - 04.2012

Job overview

  • Company Overview: Indonesia
  • Managed and prepared training materials for the company's main training center.
  • Designed a comprehensive training curriculum that covers all of the company's business aspects such as marketing strategy, sales expansion, and collection SOP.
  • Acted as a primary trainer and assessor for the company's Management Trainee Program.
  • Indonesia

PT. SInarmas Multifinance

Marketing Lead - Bandung Branch
12.2009 - 06.2011

Job overview

  • Company Overview: Indonesia
  • Pioneered new financing product portfolio for used motorcycle, launched the product for Bandung region and followed by other branches throughout Indonesia.
  • Initiated market penetration and roll-out strategies to expand sales network within Bandung branch coverage.
  • Led the Marketing team to achieve annual sales target 1800 units for two consecutive years.
  • Indonesia

Education

STEMBI, Bandung Business School
Bandung, ID

Bachelor of Economic from Management Science
01.2004 - 01.2009

University Overview

  • Relevant Coursework: Market Insight, Operational, and Organizational Change Management.
  • GPA: 3.11

Skills

Relationship building and management

Timeline

Area Manager
PT Woori Finance Indonesia
02.2025 - Current
Branch Manager
PT. Woori Finance Indonesia
06.2024 - 02.2025
Dealer Consultan Manager
PT. Moladin
07.2023 - 10.2023
Sales Manager - West Java Region
PT. Bank Perkreditan Rakyat Karyajatnika Sadaya (BPRKS)
12.2022 - 06.2023
Head of Asset Recovery - National Coverage
PT. SInarmas Multifinance
05.2022 - 08.2022
Head of Region - Jakarta Special Capital Region
PT. SInarmas Multifinance
11.2020 - 05.2022
Sr. Branch Manager - Multiple Area Placements
PT. SInarmas Multifinance
07.2013 - 11.2020
Operations Lead - Karawang Branch
PT. SInarmas Multifinance
06.2012 - 07.2013
Marketing and Operations Trainer - Main Training Center
PT. SInarmas Multifinance
07.2011 - 04.2012
Marketing Lead - Bandung Branch
PT. SInarmas Multifinance
12.2009 - 06.2011
STEMBI, Bandung Business School
Bachelor of Economic from Management Science
01.2004 - 01.2009
Fabio Refly KairupanProfesional Manager