Philips Lesmana

- Lead overall credit risk strategy, policies, and lifecycle management (acquisition, and behavioral)

- Design and maintain credit risk appetite, tolerances, and portfolio limits

- Conduct portfolio performance reviews, cohort analysis, stress testing, and early warning monitoring

- Enable and ensure sound governance for external data partnerships (credit bureaus, , e-commerce data, telco markers)

- Lead the design of fraud detection systems and rules, combining rule-based engines, machine learning models, and real-time signal processing.

- Oversee investigation, case management, and fraud operations

- Ensure all risk frameworks comply with OJK regulations

Build digital lending underwriting capabilities (using traditional and alternative data) from scratch, spanning from :
- Credit policy and segmentation
- Analytics, model validation
- Design requirements, UAT, and UVT testing
- Handling strategic partners and vendors
- Integration with collection platform
- Regulatory reporting
- Work with product managers to design UI/UX, TnC, and FAQ

• Implement and Operate FICO Blaze as decision engine that contains all credit policy, segment, scorecard and workflow orchestration
• Do Policy overalay segmentation, and Score Cut off Analysis
• Assist scorecard modeler to develop Unsecured A-Score for digital personal loan product
• Involve in E2E project that can delivery instant approval for digital personal loan product

• Derivatives and bonds fair value valuation
• Develop recovery plan based on OJK regulation in one of biggest bank in Indonesia
• IFRS 9 implementation in several banks from classification & measurement, impairment modeling, and model validation

• Joined this bank as a Management Trainee (MT)
• Leverage on analytics to promptly identify adverse portfolio trends and effect the required policy/ process adjustments
• Conduct close monitoring to CC portfolio performance and adjust policies to maintain robust portfolio performance.
• Ensure appropriate governance and control points on all policy/ process changes

• First job in my career. Started at associate 1
• Responsible for making audit working papers and meet the deadline to ensure that the audit has completed in timely manner
• Find significant issues that impact directly to financial statement and report to senior in-charge periodically during the engagement.
• Maintain a good relationship with clients during audit fieldwork
• Promoted to Associate 2 in the end of the year