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Hendra KusumaHK
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Hendra Kusuma

@hendrakusuma

Insurance distribution executive at PT Malacca Trust Wuwungan Insurance Tbk who grew broker and alternative channels 65% in one year.

Indonesia
Message

What I'm looking for

I’m seeking a role with full P&L accountability.

At PT Malacca Trust Wuwungan Insurance Tbk, I currently direct strategic partnerships across digital, broker, bancassurance, and health channels. I secured digital distribution alliances with Telkomsel, Blibli, Akulaku, and GOTO (Go Fleet), and manage a Group and Individual Health portfolio at a 75% Combined Ratio.

I built a digital insurance distribution portfolio from the ground up at PT. Asuransi Etiqa Internasional Indonesia, including broker onboarding, self-service quote engines, and API-based broker integrations. In my earlier Head of Alternative Distribution role at PT Malacca Trust Wuwungan Insurance Tbk, broker, affinity, and digital channels grew 65% year-on-year in 2023 and 50% in 2024.

As Branch Manager – Jogjakarta & Solo at Chartis Insurance Indonesia (AIG Indonesia), I turned around two underperforming regional offices, delivering over 300% revenue growth within two years. I also managed consumer-lines claims operations and underwrote SME portfolios there.

My work spans general insurance underwriting, distribution, and technology. At The Database Dept Pty Ltd (Australia & Indonesia), I managed Indonesian country operations focused on enterprise technology and digital sales campaign management; at PT. Asuransi Central Asia, I underwrote property and marine portfolios and developed internal underwriting systems. I’m ANZIIF-certified and seeking a role with full P&L accountability.

Experience

Work history, roles, and key accomplishments

PI

Head of E-Channel & Digital Business

PT. Asuransi Etiqa Internasional Indonesia

Jan 2018 - Jan 2023 (5 years)

Built a new digital distribution vertical from inception into a substantial, multi-channel portfolio. Designed broker-aligned digital engagement strategies for SME and retail products, supporting API-based broker integrations.

PI

Head of Digital Initiatives & IT

PT. Asuransi Etiqa Internasional Indonesia

Jan 2018 - Jan 2023 (5 years)

Modernised IT infrastructure from bare metal to a virtualised environment (Nutanix HCI + VMware), ensuring Group governance compliance.

CI

Branch Manager – Jogjakarta & Solo

Chartis Insurance Indonesia

Jan 2008 - Jan 2011 (3 years)

Reversed two underperforming regional offices, delivering over 300% revenue growth within two years. Strengthened broker and agent relationships across Central Java and expanded local market footprint.

Education

Degrees, certifications, and relevant coursework

ANZIIF (Australia & New Zealand Institute of Insurance and Finance) logoAF

ANZIIF (Australia & New Zealand Institute of Insurance and Finance)

Certificate IV in General Insurance, General Insurance

Professional certification in general insurance.

University of Adelaide logoUA

University of Adelaide

Graduate Certificate in Accounting, Accounting

Postgraduate certificate in accounting.

Atma Jaya Catholic University logoAU

Atma Jaya Catholic University

Bachelor of Accounting, Accounting

Undergraduate degree in accounting.

Tech stack

Software and tools used professionally

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