HERMANTO WIJAYA
Head of Operations & After-Sales
West Jakarta
Summary
Seasoned financial technology executive with over 20 years of experience in the automotive sector, specializing in used car transactions. Currently serving as the Head of Operations & After-Sales at a pioneering fin-tech startup, where I lead 6 departments under the division which are Lead Acquisition, Payment & Disbursal, Ops Support, Collection, Reconciliation, and Quality Assurance. Demonstrated expertise in managing and reducing TAT in application flow, pending payments, resolving payment discrepancies, and developing fraud prevention systems. Highly skilled in leadership, strategic planning, and cross-functional team coordination to achieve organizational financial goals and improve overall service quality.
Overview
20
20
years of professional experience
4
4
years of post-secondary education
Work History
Head of Operations & After-Sales
PT Carbay Services Indonesia
01.2023 - Current
- Company Overview: Pioneering fintech startup, specializing in automotive sector.
- Conceptualized business flow system with scrum agile team (Indonesia and India Team) to improve TAT (Turnaround Time) in lead management and disbursement operations, resulting in faster response times by 60%, and increased customer also stakeholder satisfaction.
- Streamlined working capital by closely coordinating with financiers and the sales team to expedite the collection process and reduced pending payments by IDR 60 billion (33%) within a 3-month period.
- Managed and allocated each transaction from financiers into the system with precision and Decreased payment discrepancies by IDR 3 billion (75%) over the same timeframe.
- Analyzed fraud incidents and implemented new mitigation systems to prevent future occurrences by conducting thorough investigations into fraud cases, identified the involvement of various business units, and recommended disciplinary actions to management.
- Established a new revenue-generating channel by leveraging stakeholder relationships and third-party partnerships to drive company growth for New Business.
Senior Sales Manager
PT Universal Collection (powered by Carsome)
11.2022 - 01.2023
- Successfully acquired and onboarded new corporate clients to sell vehicles through auction, resulting in 10 % increase in market share within the first month.
- Built and maintained strong relationships with key clients, utilizing company strengths and market opportunities to drive trust, customer satisfaction, and long-term business growth.
Asset Management Unit Department Head
PT Indomobil Finance
06.2021 - 11.2022
- Successfully maintained a stock level of 500 cars as EOM inventory, with a low recovery ratio- below 15% for new cars and below 6% for used cars, across 242 branches nationwide.
- Identified and implemented several new selling channels, significantly improving the volume of repossessed cars sold in credit.
- Developed and streamlined Service Level Agreements (SLAs) and workflows between the head office and branches, resulting in improved operational efficiency by 65% and alignment across teams.
Asset Management Manager
PT Nissan Financial Services Indonesia
12.2017 - 05.2021
- Managed repossessed car inventory across 21 locations nationwide, ensuring efficient distribution and stock control.
- Successfully reduced repossessed used-car inventory from 800 to 100 units within 12 months while maintaining a recovery rate of 78-80%, with an average of 120 new repossessed cars per month.
- Made and Implemented strategies that increased sales volume by 55% and maintained recovery rate despite significant inventory reduction.
- Analyzed and forecasted net credit loss based on historical data, providing key insights for risk management and decision-making.
Remarketing Dept Head
PT MNC Finance
06.2016 - 03.2017
- Oversaw repossessed cars, heavy equipment, and foreclosed houses across 40 branches, ensuring proper management, distribution, and storage of assets.
- Reduced repossessed used car inventory from 800 to 250 units within 6 months, while consistently maintaining a recovery rate of 78-80%, with an average of 130 new repossessed units each month.
- Ensured consistent recovery rates for repossessed units, employing strategies that balanced inventory management and sales performance.
Inventory Manager
PT First Indo American Leasing
01.2016 - 06.2016
- Administered repossessed car inventory across 35 branches, ensuring effective stock management and optimal allocation.
- Assessed market demand and price fluctuations for used cars in various regions, providing insights for sales strategies and pricing adjustments.
- Determined the most efficient and profitable methods and locations to liquidate used-car inventory, maximizing returns.
Network Marketing Manager
PT. Sinar Mitra Sepadan Finance
06.2015 - 11.2015
- Led a cross-functional team to provide operational support and ensure smooth business activities at multiple leaseback branches.
- Oversaw and accelerated the recruitment of Network Executives, specializing in marketing for leaseback branches, reducing the hiring cycle time by 10%.
- Conducted in-depth analysis of competitor retail prices, setting new competitive pricing strategies for leaseback products to improve market positioning.
- Compiled and delivered comprehensive weekly and monthly reports for Board of Directors (BOD) meetings, highlighting key performance metrics and actionable insights.
- Created training materials and led onboarding sessions for new network executives, ensuring effective integration into company processes and culture.
- Worked closely with IT department to design and implement a smartphone application, streamlining business workflows and enhancing operational efficiency.
Branch Manager
PT. Sinar Mitra Sepadan Finance
02.2015 - 06.2015
- Achieved an average monthly sales target of 2.0 billion Rupiah (approximately 25 units) from February to June.
- Sustained a Collection Performance rate of 98+% through effective coordination and proactive client engagement.
- Oversee and optimize the daily activities of surveyors to ensure efficient project execution.
- Drive sales growth for Leaseback Product by implementing strategic initiatives and targeting potential clients.
AMU Assistant Manager
PT. Sinar Mitra Sepadan Finance
07.2010 - 02.2015
- Supervised the handling of 4,700 unsold used motorcycles across 28 branches, achieving a reduction in outstanding inventory from 4,700 units to 500 units, despite receiving approximately 1,000 new units monthly.
- Managed the decline of outstanding motorcycle inventory to 100 units without the addition of new accounts, while maintaining a recovery rate of 65% through optimized sales and operational processes.
- Handled the repossession and management of 20-30 motorcycles per month, ensuring effective inventory control and continued reduction in outstanding units.
- Administered the management of 1,200 unsold used cars across 102 branches, cutting down the outstanding stock from 1,200 units to 700 units over 5 months, despite adding 400 new units monthly.
- Coordinated the inflow of 600-700 repossessed vehicles monthly, stabilizing the outstanding inventory at 900 units while maintaining an 85% recovery rate through efficient inventory management and strategic sales approaches.
- Led the management of 500-600 repossessed cars monthly, maintaining an outstanding inventory of 1,500-2,000 units while securing an 80% recovery rate, ensuring inventory levels aligned with business objectives.
Business Development Manager
PT. Sarana Andalan Nasional
01.2009 - 07.2010
- Successfully sold 800 units of used motorcycles within 8 weeks, consistently meeting and exceeding sales targets.
- Sold 1,000 units of used motorcycles within 10 weeks at the Tangerang warehouse, demonstrating effective sales strategies and customer engagement.
- Drove the sale of 300 units of used motorcycles within 3 weeks at the Tangerang showroom, enhancing sales performance in a competitive market.
- Directed 12 selling points, including showrooms and exhibitions, resulting in a monthly sales increase of 10-12% through strategic management and coordination.
- Conceived and launched a new marketing program that contributed to enhanced visibility and increased customer engagement, driving higher sales performance.
Commercial Officer
PT. Bank Internasional Indonesia, Tbk.
11.2008 - 12.2008
- Conducted proactive outreach and developed strategies to identify and acquire new debtors, expanding the company's portfolio while maintaining financial stability.
- Evaluated the creditworthiness of new debtors using the 5C's (Character, Capacity, Capital, Collateral, and Conditions), providing critical insights for decision-making and risk assessment.
- Established effective communication channels between departments, improving coordination and streamlining decision-making processes.
Asset Management Unit Staff
PT. WAHANA OTTOMITRA MULTIARTHA,Tbk. (WOM Finance)
09.2006 - 11.2008
- Oversaw the successful consignment and auction of 1,200 unsold used motorcycles at the Batam warehouse and reducing inventory from 1,200 units to 400 units by November 2008, despite receiving 200 new units monthly for sale.
- Administered motorcycle stock management across warehouse, workshop, and dealer locations, ensuring accurate tracking, stock levels, and timely distribution.
- Facilitated the timely distribution of motorcycles to partner dealers, ensuring seamless logistics and stock availability to meet demand.
- Fostered and maintained positive relationships with existing partner dealers while identifying and establishing partnerships with potential new dealers to expand business opportunities.
Finance Staff
PT. Buana Ottocitra Sejahtera
09.2005 - 09.2006
- Compiled, analyzed, and presented detailed financial reports, ensuring accurate documentation and alignment with company standards for management review.
- Performed regular vehicle stock-taking and inventory reconciliation, ensuring accurate records of vehicle assets and addressing discrepancies to maintain inventory integrity.
- Oversaw general administrative functions, including office management, coordination of resources, and daily operational support, contributing to the smooth running of business operations.
Education
Bachelor of Economics - Marketing
Universitas Internasional Batam
Batam, Indonesia 01.2004 - 01.2008
Skills
Operational, Risk, & Project Management
Timeline
Head of Operations & After-Sales
PT Carbay Services Indonesia
01.2023 - Current
Senior Sales Manager
PT Universal Collection (powered by Carsome)
11.2022 - 01.2023
Asset Management Unit Department Head
PT Indomobil Finance
06.2021 - 11.2022
Asset Management Manager
PT Nissan Financial Services Indonesia
12.2017 - 05.2021
Remarketing Dept Head
PT MNC Finance
06.2016 - 03.2017
Inventory Manager
PT First Indo American Leasing
01.2016 - 06.2016
Network Marketing Manager
PT. Sinar Mitra Sepadan Finance
06.2015 - 11.2015
Branch Manager
PT. Sinar Mitra Sepadan Finance
02.2015 - 06.2015
AMU Assistant Manager
PT. Sinar Mitra Sepadan Finance
07.2010 - 02.2015
Business Development Manager
PT. Sarana Andalan Nasional
01.2009 - 07.2010
Commercial Officer
PT. Bank Internasional Indonesia, Tbk.
11.2008 - 12.2008
Asset Management Unit Staff
PT. WAHANA OTTOMITRA MULTIARTHA,Tbk. (WOM Finance)
09.2006 - 11.2008
Finance Staff
PT. Buana Ottocitra Sejahtera
09.2005 - 09.2006
Bachelor of Economics - Marketing
Universitas Internasional Batam
01.2004 - 01.2008
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