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W1N ashikaga

@erwinsinaga

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Results-driven Credit & Risk Manager with 10 years' experience reducing NPLs and leading large collections teams.

Indonesia

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What I'm looking for

I am seeking a managerial role in credit/risk/collections where I can lead teams, optimize lending operations, reduce NPLs, and drive measurable portfolio performance.

I am a seasoned Credit & Risk Manager with a decade of experience in credit risk management, collections, and financial operations within banking and finance. I have led teams up to 60+ staff and managed multi-billion rupiah lending and disbursement programs.

Throughout my career I consistently exceeded targets, driving bi-monthly overperformance (average +10% across six consecutive quarters) and implementing strategies that reduced NPLs while maintaining strict quality and compliance.

My strengths include end-to-end collections and lending strategy, stakeholder communication across Risk, Legal and Head Office functions, and implementing standardized performance tracking and QA protocols to ensure 98% regulatory compliance.

I bring advanced Excel and documentation skills, strong analytical problem-solving, and a proven record of mentoring teams to meet ambitious disbursement and portfolio-quality targets. I am seeking a Manager / Staff Manager role to drive operational excellence and strategic loss mitigation.

Experience

Work history, roles, and key accomplishments

Lending Supervisor

PT. Agree Capital

Nov 2023 - Nov 2025 (2 years)

Directed and mentored a team of 10 officers to achieve a monthly disbursement target of Rp10 Billion, maintained an NPL target of 2% through proactive collection and monitoring, and enforced credit assessment standards.

Team Management NPL Control Coaching

Senior Account Officer - Lending

PT. Bank BPR Magga Jaya Utama

Jun 2024 - Jan 2025 (7 months)

Managed high-value lending projects ensuring strict documentation quality and applied analytical assessment to mitigate financial risks across the bank's portfolio.

Credit Analysis Loan Documentation Risk Mitigation Portfolio Management Quality Control Financial Analysis

Account Officer Lending

PT. Bank BPR Bahtera Masyarakat

Sep 2021 - Nov 2023 (2 years 2 months)

Executed end-to-end micro-lending processes handling high loan volumes and resolving documentation and eligibility issues to sustain continuous disbursement progress.

Loan Origination Documentation Review Problem Solving Credit Operations Customer Service

Team Leader Consumer Loan

PT. Bank Syariah Mandiri

Nov 2018 - Sep 2021 (2 years 10 months)

Directed a project team of 5 Account Officers managing a monthly disbursement volume of Rp10 Billion and exceeded bi-monthly targets by an average of 10% across six consecutive quarters while improving loan processing through cross-functional coordination.

Credit Risk Management Collections Team Leadership Loan Processing Performance Tracking Coaching Budget Management

Team Leader SME

PT. Indosurya Multifinance

Jan 2015 - Jun 2017 (2 years 5 months)

Led the SME lending team managing complex commercial loan projects and large pipelines, ensuring timely completion of appraisal, due diligence, and disbursement stages.

Due Diligence Pipeline Management Commercial Lending Risk Assessment

Korwil Mikro (Area Coordinator)

PT Bank Jawa Barat

Apr 2013 - Dec 2015 (2 years 8 months)

Managed a regional lending program with 10 Supervisors and 50 Account Officers overseeing a Rp10 Billion monthly lending volume, achieving bi-monthly targets and 98% regulatory compliance through QA protocols.

Program Management Quality Assurance Regulatory Compliance Team Management Lending Operations Risk Control