Selvi Mustika Sari Ritonga

I’m an Operations & HR Administration professional with 4+ years of experience in branch operations, employee administration, business support, and compliance within the financial services industry. I focus on operational excellence through stronger administrative controls, clear documentation, and reliable reporting.

As Head of Operations at Sinar Mas Multifinance’s Padangsidimpuan Branch, I managed end-to-end branch operations—supervising employee administration, payroll review, KPI monitoring, and operational reporting. I contributed to a 30% increase in branch in-house sales by improving operational coordination, process efficiency, and team support.

I also led improvements in administrative processes and documentation controls, addressing previous audit findings and creating a more organized, compliant environment. In parallel, I coordinated restructuring recommendations for non-performing accounts with senior management, supporting reductions in branch NPL levels, and I continue to build capability through HR, recruitment, audit, and business operations certifications.