Mega Kusuma Aryani
Semarang
Summary
Manages B2B portfolios through regular strategic engagement, follow-ups and relationship development that support retention and account growth. Delivers strong commercial results through disciplined target delivery, cross-functional coordination and consistent performance above expectation.
Overview
1
1
Language
1
1
Certification
6
6
years of professional experience
Work History
Credit Analyst
Bank Jakarta
Semarang, Indonesia
07.2026 - 10.2026
- Analysed financial statements to assess the creditworthiness of prospective and current clients, and prepared detailed reports highlighting findings and recommendations for credit approvers.
- Controlling asset quality by maintaining the new NPF/NPL ratio at 0% through in-depth evaluation of financial statements and optimisation of customer financing structures.
- Conducting comprehensive qualitative and quantitative analysis to draft financing structures for MSME segment customers valued at Rp25 billion, which successfully obtained committee approval, and maintained current collectibility status to date.
- Reorganising cross-divisional coordination flows between the business team and the financing committee, successfully minimising document revisions by up to 30% while accelerating credit approval decisions.
Relationship Manager Commercial Banking
Bank Jakarta
Semarang, Indonesia
03.2023 - 06.2026
- Manage a portfolio of 20+ B2B accounts through regular strategic communications.
- Build relationships with B2B customers through consistent engagement and follow-ups.
- Achieved 152% of the 2025 period individual financing disbursement target and contributed 30% to the branch portfolio year-on-year (YoY) growth.
- Consistently exceeded annual performance targets above 100%, resulting in appreciation in the form of an 'Exceeds Expectations' rating for two consecutive years based on objective contributions to the organization.
Consumer Business Relationship Manager
Bank Syariah Indonesia
Semarang, Indonesia
02.2021 - 12.2022
- Building strategic partnerships with leading real estate developers to expand market penetration, successfully driving 20% year-on-year (YoY) growth in branch financing.
- Controlling credit risk through strategic post-COVID-19 financing restructuring, successfully suppressing the cost of provisioning for non-performing assets, efficiently optimising branch profit achievement.
- Penetrating high-net-worth professional segments, including doctors, academics, and successfully breaking into the top 5 best Relationship Managers in the Semarang Kota Area for the February 2022 period based on significant portfolio volume growth.
Education
Bachelor of Arts - Accounting
Universitas Negeri Semarang
Semarang, Indonesia2017
Skills
- Client relationship management
- Client engagement
- Client development
- Business development
- Business networking
- Portfolio management
- Customer relations
- B2B sales
- Commercial banking
Languages
English
Certification
BSMR Clasified 5
Education
other
Languages
4,B2
Timeline
Credit Analyst
Bank Jakarta
07.2026 - 10.2026
Relationship Manager Commercial Banking
Bank Jakarta
03.2023 - 06.2026
Consumer Business Relationship Manager
Bank Syariah Indonesia
02.2021 - 12.2022
Bachelor of Arts - Accounting
Universitas Negeri Semarang