Ricky Josua

In my role at Maybank, I managed the mortgage and SME collection processes, focusing on both conventional and shariah credit. I developed strategies to analyze delinquent accounts and worked closely with borrowers to establish payment arrangements. Enhanced the collection team's understanding of CKPN and Fee Based Income metrics, focusing on maintaining debtor status. Additionally, I explored inn

As a Mortgage Collection Manager dedicated to conventional and shariah credit, my primary responsibilities include overseeing the collection processes for mortgage accounts. This involves developing and implementing effective strategies to ensure timely and efficient mortgage payments. I am responsible for analyzing delinquent accounts, coordinating with borrowers to establish payment arrangements

Analyse portfolio for micro productive and micro consumptive in Bank Mandiri ( KUM KUR KTA KSM ) total portfolio is more than Rp 15 Tn ; 200,000 debtors.
• Create quadrants or data dimensions used in analyzing debtors from database of portfolio Bank Mandiri Sulawesi&Maluku
• Analysis of debtor's trend through the payment cycle from daily data payment
• Make campaigns that are in line with communit

I handle more than 1 Tn ; 10,000 Non Performing Loan debtor in Sulawesi & Maluku. The main resposibility is I have to minimize the Expected Credit Loss (ECL) or Cadangan Kerugian Penurunan Nilai (CKPN) and collect amount collection from recovery or Write-Off from off balanced sheet to become contribution margin for the company.
• Do SWOT analysis to see the general condition and find the main is

I handle more than 800 Bn ; 8,000 Non Performing Loan debtor in Papua within 100 employee (desk collector, field collector, admin collector, team leader, skip tracer, collection officer).
• Do SWOT analysis to see the general condition and find the main issue & room for improvement
• Analyse character’s debtor from their monthly payment's trend
• Analyse capacity’s debtor from their source of pay

SME & Micro Collection - Manokwari
I was believed to hold more product and bigger portfolio.
It enhanced my capability and competence on collection management strategy
• Do SWOT analysis to see the general condition and find the main issue & room for improvement
• Build strategies with team to achieve target
• Analyse the database of debtor to see the potential number to collect the non-performing

Supervisor Micro Collection - Gorontalo
It is a first step of my journey as a debt collection.
I never imagined that I work in Bank as a collector. It scared me a little at the first. Then, day after day, I realised that Bank(s) need the great collector to stabilise and to manage credit. Non Performing Loan as known as a bad indicators that Bank has bad quality of credits they gave to people. How

In-Class training for banking knowledge and leadership skill.

• Bring more than 200 people from Yogyakarta to Jakarta
• Fund raising from any activities (in 9 months, we have Rp 250 Mn)
• Coordinate with event organizer to make sure everything is ready
• Make sure no one left behind
• Evaluate the progress within 8 managers

We got 1st Runner-Up! We are the best performance campus marching band in Indonesia. We also beat Pertamina's Band (MBBS / Sparadha).
T

I did research with "Poisson Regression" . That analyst to the ammount of sales vehicle on 2012.
• Analyse the selling data from 2009 - 2012
• Make regression with some variabel independent (car's type, car's model, location, salesperson, etc)
• Make a new style of dashboard to monitor and evaluate the performance in Nasmoco Bantul

My team got astronomical amount of money for this event, and made all the audience happy and enjoy our event.

Me and my team did the best to the society in that place. And everything was alright and happiness. We found new family, that was good for us.

4th position in Grand Prix Marching Band XXVII 2011

Nov 2021

Nov 2018

Oct 2018

Aug 2016

Apr 2015

Marching Band
Swimming
Gymnastic