Joshua Kristiadi
Business Development Manager
Jakarta
Summary
Business Development Manager and Sales professional with over 7 years of experience in driving sales growth and maximizing revenue potential. Proven expertise in client acquisition and contract negotiation, complemented by strong interpersonal communication and relationship-building skills. Recognized for a results-driven approach and proactive mindset, consistently achieving and surpassing sales targets while fostering team collaboration and leadership. Committed to leveraging strategic insights to unlock new business opportunities and enhance overall organizational performance.
Overview
11
11
years of professional experience
4
4
years of post-secondary education
3
3
Languages
Work History
Business Development Manager
Krom Bank
07.2023 - Current
- Responsible for handling branch operations (operations lead), scope of operations are credit administration, customer service, teller, and back office.
- Analyze all the reports from all operations sections every month to keep the operations on track
- Responsible for making some of the policies such as operations policy, LPD policy (including SNAP and API), etc
- Getting involved in one of the main job here whereas approach new channeling partners.
- Analyzing facility review made by credit analyst team and making deck for credit facility review also present the result to BOD
- Analyzing remedial facility review made by remedial team and making deck for credit facility review also present the result to BOD
- Responsible for creating Business Performance Dashboard monthly to be presented to BOD
- Appointed as Risk Champion and presents the results to Risk Team monthly
- Analyzing and presents all loan proposal coming from conventional banking
- Launched new product lines for both funding and lending in conventional banking by conducting extensive competitor analysis and identifying gaps in existing market offerings
Business Banking Product Program Development Specialist
PT BANK OCBC NISP, Tbk
01.2022 - 07.2023
- - Responsible for some product programs in Business Banking segment such as Oil & Gas Project Financing, Vehicle & Heavy Equipment Financing, and Computer Project Financing Program
- - Review manual book for each product program annually
- - Lead new project called Business Banking Insurance Backed Loan. Briefly, this product is form of loan facility with Insurance Premium (Premi Asuransi) as the collateral.
- - Involve in project team for retail banking named Retail Loan Agile Squad
- - Responsible as PIC for Take Over Agile Program and this program has achieved the limit quota of IDR 200 Bio as per October 2022
- - Lead project of Pre Approval Loan using leads of Premier Banking and Retail Funding Customers
- - Create and lead product program Business Banking Commercial and Industrial Property Loan Financing
- - Assigned to lead sustainable finance project collaborating with OCBC Singapore (OCBC Group)
- - Assigned to lead Blue Financing Project (part of Climate Financing)
Emerging Business Relationship Manager
PT BANK OCBC NISP, Tbk
10.2019 - 12.2021
- - Exploring all clients` needs to determine the most suitable type of loans
- - Evaluate credit grading by processing loan applications and documentation within limits of 15 Bio
- - Analyze Financial Statement to get the overview of loan financing for clients
- - Maintain relationship with clients and also update account records
- - Develop referral networks, suggest alternate channels and cross-sell various product holdings
- - Became best graduates of training program with highest achievement in OCBC NISP Indonesian Wide
Commercial Banking Relationship Manager
PT Bank Permata Tbk
08.2018 - 08.2019
- - Evaluate credit worthiness by processing loan applications and documentation within plafond limits of 50 Bio
- - Interview applicants to determine financial eligibility and feasibility of granting loans
- - Determining all applicable financial and non financial ratios
- - Maintain 15 loan accounts and also make updates of account records
- - Assess clients’ needs, explore all options and introduce different types of loans
- - Develop referral networks, suggest alternate channels and cross-sell various product holdings
Hotel Management Intern
Hotel Am Wall
03.2017 - 08.2017
- - Made research and feasibility studies of some hotel competitors all around North Rhine Westphalia Region
- - Enhance website development for Hotel Am Wall
- - PIC for some hotel events such as Kneipen Festival, Easter, and some small events
- - Made learning internship program for next interns
- - Did all roles in hotel industry for example front office, housekeeping, kitchen, and bartender
Marketing Intern
PT BSH Home Appliances (Bosch Indonesia)
10.2015 - 03.2016
- - Person in Charge (PIC) for advertising vendors relation
- - PIC for Point of Sales (POS) display and design making
- - PIC for Bosch Home Appliances promotion events in some electronic stores around Jabodetabek such as in Electonic City, Best Denki, Electronic Solutions, etc
- - PIC for cooperation with Bosch HQ in Germany and India
- - Making sales and promotions strategy for big events such as Idul Fitri, Chinese New Year, and Christmas
- - Became representative along with supervisor to attend open group discussion with Bosch’s group
Stock Trader Intern
PT RHB Sekuritas Indonesia
12.2014 - 04.2015
- - Taking role in stock trading activities for clients
- - Maintaining clients’ portfolios
- - Analyze economic conditions that can be used as information for clients
- - Constantly updated current market conditions
- - Making daily reports of clients’ trading activities
Education
S.E, B.A - International Business Administration
Swiss German University
Tangerang, Indonesia 04.2014 - 01.2018
Skills
Excellent Communication Skills
Timeline
Business Development Manager
Krom Bank
07.2023 - Current
Business Banking Product Program Development Specialist
PT BANK OCBC NISP, Tbk
01.2022 - 07.2023
Emerging Business Relationship Manager
PT BANK OCBC NISP, Tbk
10.2019 - 12.2021
Commercial Banking Relationship Manager
PT Bank Permata Tbk
08.2018 - 08.2019
Hotel Management Intern
Hotel Am Wall
03.2017 - 08.2017
Marketing Intern
PT BSH Home Appliances (Bosch Indonesia)
10.2015 - 03.2016
Stock Trader Intern
PT RHB Sekuritas Indonesia
12.2014 - 04.2015
S.E, B.A - International Business Administration
Swiss German University
04.2014 - 01.2018
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