General Banking
Credit Policy and Analytic
GARY AHWIL
Head Of Retail Risk
Jakarta,Jakarta Sekatan
Summary
Banker with vast experience in credit policy, credit operation, portfolio management, risk modeling and scorecard establishment for 24 years of experiences in various banks as well as multifinance companies. Specialization ranging from consumer banking, business banking, asset liability, until capital requirement sub specialized in credity cycle process, collection analytic, risk modeling, portfolio management, and retail banking credit policy. Experience in local and worldwide bank enable to adapt more rapid in changing and challenging environment. Strong in analytical skill making the establishment of the bank policy as well as underwriting criterias more robust. Bank Indonesia compliance in Risk Management Certification Level VI as well as 3 years experience as Pejabat Eksekutif Bank (PE).
Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.
Overview
24
24
years of professional experience
4
4
Certifications
Work History
Head of (SVP), Wealth and Personal Banking (Retail) Risk
Hong Kong and Shanghai Bank (HSBC) Indonesia
Jakarta
04.2021 - Current
- Lead the Wealth Personal Banking (Retail) risk function, responsible for the profitable and sustainable growth of bank asset portfolio
- This function provides direction to the business, help to set the risk parameters for new account acquisition, account management and review of performance through analytics
- This function has role to manage the day-to-day operation in the area of Risk Policy, Quality Assurance as well as Portfolio Management
Head of (EVP), Quantitative, Analytic,& Provisioning
BANK COMMONWEALTH
Jakarta
03.2020 - 04.2021
- Headed Quantitative team that is responsible in measuring and balancing credit risk of MSME, mortgage, and Join Finance (JF) portfolio in order to be aligned with bank’s risk appetite
- Providing bank with projected credit quality in order to set up optimum loan bank pricing
- On the other hand, the role is responsible as well to head provisioning team that is responsible to manage Loan Impairment cost and to decide whether or not applying provisioning overlay to anticipate future losses in the future
- Responsibility of provisioning team cover to measure & maintain the IFRS 9 model still in good shape to calculate and predict future Bank Loan Impairment
- The role for analytic team, which is central of the unit, is responsible to guide credit policy team to monitor bank’s portfolio healthiness by finding root cause of problem, balancing portfolio shape, as well as maintaining accuracy of scorecard tool both for acquisition (a-score)/ portfolio management purpose (b-score)
Group Head (SVP), Credit Infrastructure,Analytic and Portfolio Mgt
BANK CIMB Niaga
Jakarta
04.2013 - 02.2020
- Functioning as credit procedure/policy maker, portfolio manager, credit infrastructure establisher, as well as risk control to whole retail credit business unit under consumer credit business line, which responsible to grow portfolio as well as squeeze problem segment within risk boundary and optimize profit through portfolio segmentation
- Responsible to address infrastructure for credit, covering designing Loan Origination System (LOS), leaning credit process, govern underwriting criterias, delegation authority as well as evaluate any policy which has been adverse to business, to be appealed through champion challenger mechanism
- Evaluate and maximize any available risk tools that has been developed,such as score card as well as early warning detection tools.
Head (VP), Portfolio Management for Retail Risk
BANK PERMATA
Jakarta
08.2010 - 04.2013
- Responsible to grow retail credit portfolio organically, especially in retail banking both secured and unsecured asset through segmentation analysis
- Strategically select and focus in good market segment by relaxing the acquisition policy and actively stopping the problem channel
- Maintaining the customer relationship by aggressive implementation of top up and line burn program as well as cross sell
- Managing new regional initiative projects such as scorecard bureau, “gesek tunai”,effective downgrade the credit line, sub prime liability customer tapping, etc.
Head (AVP), Risk Analytic and market-liquidity
BANK ICB BUMIPUTERA
Jakarta
09.2009 - 08.2010
- Headed the analytics team in conducting analysis for input to establish/maintain credit policy for business banking, consumer banking, market-liquidity, Asset liability committee, and Risk management Committee
- Maintaining portfolio review for bank wide and set up the alert monitoring tools to focus on specific risk driver
- Responsible for capital requirement and reporting for central bank as well as bank’s risk profile
- Assist business unit in proposing new product, installing new system, and evaluate the natural inherent risk of the business.
Manager, Risk analytic for Consumer Credit Risk
BANQUE SAUDI FRANSI
Riyadh-Saudi Arabia
08.2007 - 09.2009
- Managing the credit risk portfolio and reporting to bank’s headquarter
- Responsible for stipulating and managing collection performance as well as reporting the result to management
- Responsible the credit result to Saudi credit bureau
- Responsible for consumer risk budget and achievement for quarterly review
- Liaise with business unit in creating new product, system implementation, and collection capacity plan
- Liaise with recovery management to design, monitor, and report the result to management
- Represent the company to select scorecard vendor, loan origination, and collection system
- Laisse with Financial Planning team in Asset liability management to arrive at the efficient profit (interest).
Senior Manager, MIS and Scoring
BANK INTERNATIONAL INDONESIA
Jakarta
02.2007 - 08.2007
- Responsible to maintain and monitor bank’s credit portfolio especially in consumer banking business
- Assist collection in managing the inventory and conduct the efficiency analysis
- Design the collection target that tie up to bank’s NPL budget, divided by area performance
- Liaise with business unit in creating new product and system evaluation
- Review the proposed scorecard implementation.
Head of Risk Analytic
ASTRA CREDIT COMPANY
Jakarta
01.2006 - 02.2007
- Responsible in designing the grading to reward the branch as well as credit analyst
- Liaise with business unit and Finance Planning to create the pricing of the new product, cover: new brand launching, festive season celebration, special occasion package (company celebration, etc)
- Responsible for company top up and cross-selling program
- Responsible for company performance reporting to Shareholder (GE Capital).
Assistant Manager, Credit Policy
ABN AMRO BANK
Jakarta
01.2005 - 12.2005
- Responsible to set up the collection system for credit card business
- Set the collection target, monitor and analyze to achieve at the efficient result
- Establish the credit policy for consumer business ranging from acquisition, top up, and collection
- Responsible in creating the rule and policy for top up and cross-selling program
- Liaise with business unit in creating a new product launch and prepare the monitoring tools
- Create the analyst grading and sales grading to reward the performance
- Responsible to manage and monitor the performance of consumer product.
Risk Analyst
GE FINANCE INDONESIA
Jakarta
01.2004 - 12.2004
- Responsible in managing co-brand card portfolio as well as GE card portfolio
- Liaise with finance planning and business unit to determine the pricing for business unit new initiative
- Evaluate new product from business unit
- Prepare report and analysis to GE Regional Headquarter Asia
- Conducting the pre-implementation of credit card scorecard
- Analyzing the opening of new area for collection.
MDP, Corporate/Commercial Risk analyst
BANK CENTRAL ASIA
Jakarta
01.2001 - 12.2003
- Responsible to analyze and assess on valuation the loan from IBRA (Indonesia Bank Restructuring Agency)
- Assigned in a team to establish The Commercial loan Centre in several BCA regional offices, cover on: Analyst training in financial analysis and business assessment, evaluate and stipulate the approval process
- Together with Vendor to establish the corporate/commercial credit rating and establish the pre-implementation of rating in several BCA areas
- Assigned in several branches of BCA playing a role as an operation incumbent, trade finance analyst, credit analyst, and marketing officer while engaging in Management Development program from beginning of 2001-end of 2002
Education
Master of Accounting - Audit And Financial Analysis
Universitas Indonesia
Jakarta 01.2000 - 1 2002
Bachelor's in Management - General Management
Universitas Padjadjaran
Bandung 01.1995 - 1 1999
Skills
Certification
BSMR 1 (By BSMR)
BSMR 2 (By BSMR)
BSMR 3 (By LSPP)
BSMR 4 (By BSMR)
Qualificationhighlight
Banker with vast experience in credit policy, credit operation, portfolio management, risk modeling and scorecard establishment for 24 years of experiences in various banks as well as multifinance companies. Specialization ranging from consumer banking, business banking, asset liability, until capital requirement sub specialized in credity cycle process, collection analytic, risk modeling, portfolio management, and retail banking credit policy. Experience in local and worldwide bank enable to adapt more rapid in changing and challenging environment. Strong in SAS environment and analytical skill making the establishment of the bank policy as well as underwriting criterias more robust. Bank Indonesia compliance in Risk Management Certification Level VI as well 4 years’ experience as Pejabat Eksekutif Bank (PE).
Projects
Project manager for Credit Underwriting Certification Program-CIMB Niaga Projet manager for Internal Appraisal System-CIMB Niaga Project manager for Loan Origination System for Mortgage-CIMB Niaga Project manager for Loan Origination System for Unsecured Loan-CIMB Niaga Project lead for Credit Factory mortgage establishment, specialized in standar operating procedure as well as pre-assigned line system Project manager for Astra Sedaya Finance Acquisiton-Permatabank Scorecard application bureau development Lead-Standard Chartered&Permatabank Portfolio lead for GE Finance Indonesia Acquisition-Permatabank Generic Treasury system development-ICB Bumiputera Scorecard appliccation development-Sofinco Saudi Fransi Collection system Set Up-ABN Amro Bank
Training
- Regional Consumer Credit Operation Training program (2016,2017), Kuala Lumpur
- Middle Manager Development Program (2015) – CIMB Group, Kuala Lumpur
- Middle Manager Acceleration Program ( 2012)-Permatabank, Jakarta
- Consumer Credit Course (2011) – Standard Chartered Bank,Jakarta
- Anti Money laundering (2008) – Credit Agricole, Riyadh
- Credit Risk and Fraud Training (2005) – Mastercard International,Bangkok
Accomplishments
- Achieved Result by completing Task with accuracy and efficiency.
Interests
Optimizing business growth with accurate risk appetite
Timeline
Head of (SVP), Wealth and Personal Banking (Retail) Risk
Hong Kong and Shanghai Bank (HSBC) Indonesia
04.2021 - Current
Head of (EVP), Quantitative, Analytic,& Provisioning
BANK COMMONWEALTH
03.2020 - 04.2021
Group Head (SVP), Credit Infrastructure,Analytic and Portfolio Mgt
BANK CIMB Niaga
04.2013 - 02.2020
Head (VP), Portfolio Management for Retail Risk
BANK PERMATA
08.2010 - 04.2013
Head (AVP), Risk Analytic and market-liquidity
BANK ICB BUMIPUTERA
09.2009 - 08.2010
Manager, Risk analytic for Consumer Credit Risk
BANQUE SAUDI FRANSI
08.2007 - 09.2009
Senior Manager, MIS and Scoring
BANK INTERNATIONAL INDONESIA
02.2007 - 08.2007
Head of Risk Analytic
ASTRA CREDIT COMPANY
01.2006 - 02.2007
Assistant Manager, Credit Policy
ABN AMRO BANK
01.2005 - 12.2005
Risk Analyst
GE FINANCE INDONESIA
01.2004 - 12.2004
MDP, Corporate/Commercial Risk analyst
BANK CENTRAL ASIA
01.2001 - 12.2003
Master of Accounting - Audit And Financial Analysis
Universitas Indonesia
01.2000 - 1 2002
Bachelor's in Management - General Management
Universitas Padjadjaran
01.1995 - 1 1999
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