Strategic Collections in Asia's Evolving Credit Landscape

President Director at Credit Bureau Indonesia (CBI)

Anton K. Adiwibowo is the President Director of Credit Bureau Indonesia (CBI), a role he has held since November 2024 following regulatory approval from the Financial Services Authority (OJK). With over 24 years of experience in the financial industry, he brings deep expertise in credit analysis, operations, business development, and digital transformation. Prior to this role, he served as Director of Business and Services at CBI (2021–2024), where he led strategic initiatives focused on company growth, client relationship strengthening, and the development of data-driven credit solutions. In addition to his role at CBI, Anton currently serves as Vice Chairman of the Indonesian Credit Information Management Association (APIIK), contributing to industry-wide collaboration aimed at building a healthy and inclusive credit ecosystem. His career includes leadership positions in innovative fintech credit scoring companies as well as multinational and national banks such as HSBC, ANZ, ABN Amro, and Bank Danamon. His combined experience in traditional banking and financial technology positions him as a key figure in advancing credit information services in Indonesia.

President Director Easycash | Head of Peer to Peer Lending Department AFTECH

Mr. Nucky Poedjiardjo currently serves as AFTECH’s Head of Peer-to-Peer Lending Department and President Director of PT Indonesia Fintopia Technology (Easycash), as confirmed by the Financial Services Authority (OJK). He is an award-winning CEO with extensive experience in strategic planning within the startup industry. Nucky holds an academic background from Modul University in Vienna, Austria. Prior to his current role, he held several key positions, including President Director at PT Uangme Fintek Indonesia, as well as Managing Director and Founder of Rumah123.com and Mobil123.com. His expertise in driving innovative initiatives and securing funding has significantly contributed to sustainable business growth. With a strong background in the fintech and startup industries, Nucky is widely recognized for his ability to navigate complex industry challenges and deliver impactful business solutions.

Chief Collection Executive at UnionDigital Bank

Iona Iñigo-Mayo currently serves as the Chief Collection Executive of UnionDigital Bank, the digital banking arm of UnionBank of the Philippines. In this role, she leads the reengineering of the bank’s collection organization, strategies, and platforms—driving efficiency, profitability, and scalability across existing and emerging products. With over 25 years of combined experience in multinational and local banking, Iona has built a distinguished career specializing in Consumer Loans and Retail Deposit Banking with Citibank, Standard Chartered Bank, AIG Philam Savings Bank and Philippine Bank of Communications. In recent years, she has successfully transitioned into the Financial Technology industry as Tala’s Senior Director for Global Customer Experience Operations, bringing a wealth of expertise in traditional banking to the forefront of digital innovation. A proud graduate of the University of the Philippines Diliman, Iona holds a Bachelor of Science degree in Mathematics. Iona is passionate about leveraging data, technology, and people-centered strategies to shape the future of digital finance in the Philippines and beyond. Outside of financing, Iona serves as a Board of Director in the Diliman Educational Corporation and is an International Coaching Federation Associate Certified Coach

Chief Risk Officer at Malaysia Debt Ventures Berhad

Ahmad Shukri Abd Rahman is the Chief Risk Officer at Malaysia Debt Ventures Berhad, bringing over 34 years of experience in risk management and banking across various financial institutions. Prior to his current role, he served as Chief Risk Officer at Bank Kerjasama Rakyat Malaysia Berhad for more than 8 years. He has also held senior positions including Head of the Risk Management Department at OCBC Al-Amin Bank Berhad and Vice President of Retail Credit Operations at Al-Rajhi Banking & Investment Corporation (Malaysia) Berhad. His career includes experience at Bank Muamalat Malaysia Berhad, Pacific Bank Berhad, and Oriental Finance Berhad, and he has also lectured at INCEIF University. Ahmad Shukri holds an Executive Master in Islamic Banking and Finance from Asia E University and a Bachelor of Business Administration majoring in Finance from Texas A&M University. He is a Chartered Professional in Islamic Finance and holds a Certificate in Islamic Law from the International Islamic University Malaysia.

Chief Risk Officer at Boost Bank

Puteri Syurga Malek is the Chief Risk Officer at Boost Bank, where she leads the bank’s risk management strategy and governance framework. With deep expertise in enterprise risk, regulatory compliance, and financial risk management, she plays a pivotal role in safeguarding the bank’s operations while enabling sustainable business growth. Her leadership is instrumental in building a resilient risk culture and aligning risk practices with the evolving dynamics of the financial services industry.

Managing Director - Regional Head of Consumer Credit Operations at CIMB

Banking professional with 15 years of experience in risk management for retail banking. Strong leader with a motivational management style and a reputation for building highly driven teams. Recognized as a result-oriented achiever with an excellent track record of identifying opportunities for accelerated growth and delivering impactful business outcomes.

Senior Vice President at Alliance Bank Malaysia Berhad

With many years in banking, I have built my expertise in SME and commercial credit, policy development, and data analytics, driving strategic growth and risk management. As an SVP, I lead with a strong analytical mindset, balancing risk and opportunity to support sustainable business expansion. Having spent the past three years working closely with the CCO, I have honed my leadership and decision-making skills in high-stakes environments. I recently completed my MBA and am committed to continuous learning as I work toward my next milestone. Passionate about transforming credit strategies through data-driven insights, I believe in empowering teams, fostering innovation, and shaping policies that drive financial inclusion and business resilience.

Senior Vice President - Head of Strategic Transformation, Adira Finance

Henri Halim is a dynamic and results-driven business leader with extensive experience in transforming organizations through innovative strategies and strong partnerships. His career spans multiple industries, including remittance, multifinance, P2P lending, and SaaS, where he has consistently delivered impactful business outcomes.

Currently serving as Senior Vice President and Head of Strategic Transformation at Adira Finance, Henri focuses on driving organizational growth and efficiency. Previously at Flip.id, he held leadership roles as Business Director (Multi Finance) and VP Enterprise Growth and Business Development, where he led strategic partnerships and accelerated business expansion.

Earlier in his career, Henri played a key role at Advance.ai, contributing to the successful launch of Kredit Pintar, Guardian, and Atome. He progressed from IT Project Manager to Head of Project Management and later Business Development Director, demonstrating strong leadership and execution capabilities.

His expertise includes strategic growth consulting, partnership development, business process optimization, mergers and acquisitions, and leadership development. Henri has a proven track record of reducing costs while increasing revenue, and he is passionate about driving scalable growth and long-term business impact.

Chief Financial Officer at Superbank

Melisa Hendrawati is the Chief Financial Officer at Superbank, bringing extensive experience in finance, risk management, and fintech. Prior to joining Superbank, she served as CFO of OY! Indonesia and held key leadership roles including Head of Credit Risk and COO at DBS Bank Indonesia. Melisa is actively involved in several professional organizations, serving as Director of GARP Indonesia, Board Member of CFA Society Indonesia, Co-founder of Indonesia Women in Finance Club, and Vice President of NTU Alumni Association Indonesia. She has been recognized with multiple prestigious awards, including Indonesia Best CFO 2024, Indonesia Most Extraordinary Women Business Leader 2025, and Top 500 Most Outstanding Women 2025. Melisa began her international career with JPMorgan and Citi in Singapore before returning to Indonesia in 2014. She holds a Bachelor of Business in Actuarial Science and an MBA in Finance & Strategy from Nanyang Technological University, Singapore, and is a certified CFA, FRM, CA, CPA (Aust), and ASEAN CPA. She is also a frequent international keynote speaker and guest lecturer.

Head of Risk Analytics MIS & Regulatory Reporting, Atome

Reny Mustikawati is a highly motivated and positive-thinking leader with excellent interpersonal skills and strong analytical and problem-solving capabilities. She brings extensive experience in risk analytics, regulatory reporting, and management information systems.

Currently serving as Head of Risk Analytics MIS & Regulatory Reporting at Atome, Reny plays a key role in driving data-driven decision-making and ensuring regulatory compliance. Her expertise spans policy development, operational risk management, portfolio analytics, monitoring, governance, and collection strategy.

She is known for her eagerness to learn, patience in building strong team dynamics, and commitment to creating value for both the organization and its team members.

Retail Lending Business Consultant & Head of Business Strategy at Kredit Pintar

Ary Mulyono is an experienced retail lending expert with deep expertise in end-to-end business strategy, risk management, data analytics, portfolio management, collections, and design thinking. He has hands-on experience in acquisition, portfolio quality reviews, policy development, and optimizing unsecured loan performance while ensuring compliance with OJK regulations in Indonesia. Ary specializes in building customer-centric credit strategies that balance risk-return optimization with empathetic, solution-oriented collections approaches. Passionate about leveraging GenAI and behavioral data to transform aggressive recovery tactics into trustworthy, efficient communications, Ary brings practical Asia-market insights to help lenders future-proof their credit and collections operations.

Assistant Vice President Risk Management, DBS Bank

Nancy Febrianty Siregar is an experienced risk management professional with over fifteen years of expertise in Governance, Risk Management, and Compliance (GRC), Business Continuity, and Third Party Risk Management (TPRM).

Currently serving as Assistant Vice President Risk Management at DBS Bank, she specializes in comprehensive risk identification, assessment, and mitigation strategies, along with implementing monitoring frameworks to safeguard operational, financial, and reputational integrity.

Nancy works closely with management to enable proactive risk assessment and reporting through Risk Monitoring Committee (RMC) frameworks, while also evaluating emerging risks and aligning them with business strategies.

A Certified Public Accountant, she brings strong expertise in quality assurance and business process management, and is committed to driving operational resilience and ensuring regulatory compliance.

AI & Technology Executive,Former CTO & Director of IT in Fintech Digital Transformation,Cloud and Al Strategy Leader

And here is my short bio from my LinkedIn. As a visionary IT Executive and Technology Strategist with 20+ years of global experience, I specialize in orchestrating enterprise-scale digital transformations that bridge business ambition with technological innovation. My career spans Financial Services, Telecommunications, Manufacturing, Retail, Media, and the Public Sector—delivering measurable business outcomes through scalable architecture, advanced digital technologies, and agile delivery models. I am recognized for building high-performance teams, driving C-suite alignment, and embedding a culture of innovation. My leadership has powered transformational programs including core banking modernization, cloud-native application development, big data analytics, and DevOps/Agile integration—helping organizations unlock efficiency, agility, and competitive advantage. As a Certified Multi-Cloud Architect, Professional Scrum Master, and Six Sigma Black Belt™, I blend deep technical expertise with strategic foresight—enabling organizations to modernize legacy platforms, implement next-gen cloud solutions, and transform complex IT roadmaps into sustainable growth engines. Key Strengths 🟢 Enterprise IT strategy, digital transformation, and agile execution. 🟢 Proven success in legacy modernization and next-gen cloud adoption. 🟢 Leadership in cross-functional team development and stakeholder engagement. 🟢 C-suite partnership to convert technology into measurable value. From spearheading digital banking platforms to leading regional consulting practices, I thrive where strategy meets execution and technology becomes a catalyst for lasting business success.

Head of Risk Management at PT Bank of India Indonesia Tbk

Deni Ferdian is a Head of Risk Management with over 16 years of progressive experience in quantitative risk modelling, regulatory frameworks, and integrated risk management systems within the banking sector. He has proven expertise in developing advanced market risk models such as VaR, PSE, EAR, and EVE, as well as liquidity risk frameworks including LCR, NSFR, and MCO, along with credit risk assessment methodologies like PD/LGD modelling. Deni is highly skilled in leading ILAAP and ICAAP stress testing initiatives, ensuring compliance with OJK and Bank Indonesia regulations, and implementing forward-looking risk analytics driven by macroeconomic variables. He has a strong track record in building risk management information systems, designing data mart architectures, and enabling data-driven decision-making across risk functions. Currently, he leads risk management at Bank of India Indonesia Tbk, with prior leadership experience at Bank Resona Perdania.

Corporate Recovery Expert from Banking Industry

Juma’atul Huda Hussain is a banking and recovery professional with over 15 years of experience in corporate rehabilitation, distressed asset recovery, and restructuring within Malaysia’s development finance and banking sector. She is currently the Head of Specialized Recovery 1 at SME Bank Berhad, where she leads strategies for high-risk portfolios, legal enforcement, and settlement optimization. Her expertise covers non-performing loan (NPL) management, litigation and insolvency, credit risk analysis, and asset disposal strategies.

Compliance Department Head, PT Reasuransi Indonesia Utama (Persero)

Kamilul Ihsan is a Master of Law graduate and an experienced compliance professional with strong expertise in legal, regulatory, and corporate governance domains. His skill set includes PDP implementation, ISO 37001:2016, ISO 9001:2015, ISO 27001:2022, ISO 20000-1:2018, Business Competition Compliance Programs, corporate actions, industrial relations, procurement, and reinsurance business operations. Known for his logical and systematic approach, he brings a mindful perspective to problem-solving and compliance management, ensuring effective governance and operational excellence.

VP Corporate Credit Risk & Banking Expert

Johan Wiratanto is a seasoned corporate credit risk professional with over 18 years of experience in credit risk analysis and banking. He possesses extensive market intelligence with a strong focus on Indonesia, along with a deep understanding of diverse industries. Throughout his career, he has demonstrated a proven track record of prudent decision-making and effective risk management across reputable foreign, state-owned, and local banks. His leadership and analytical expertise enable him to deliver insightful risk assessments that support robust and sustainable business growth. He is also passionate about value investing.

Executive Director, Head of Data Chapter at DBS Bank

Rohit Makhija is the Executive Director and Head of the Data Chapter at DBS Bank, where he leads Generative AI initiatives for risk and develops AI/ML risk models across credit, fraud, and operational risk use cases for both retail and non-retail portfolios in core markets. With extensive experience in risk management, he has successfully implemented AI/ML solutions that streamline digital onboarding processes, enhance risk-adjusted returns, and support regulatory requirements such as AIRB models and stress testing. His expertise spans the entire credit lifecycle, making him a key leader in driving innovation and risk optimization within the financial sector.

President Director at Finfy

A fintech enthusiast graduated from Universitas Negeri Padang, majoring in English Education, with professional experience across fintech operations, business management, legal compliance, and strategic partnerships. Previously worked with multinational companies including ANZ, as well as Rupiah Plus, one of the pioneers of peer-to-peer fintech lending in Indonesia. Also co-founded and managed a collection services outsourcing company, Debito, with multi-million IDR yearly turnover, focusing on operational management, client servicing, and business development. Currently serving as President Director at Finfy, one of OJK’s registered fintech aggregation platforms, leading corporate strategy, legal and compliance governance, regulatory coordination, and business partnership initiatives. Responsible for company-wide P&L management, revenue growth, cost attribution, and maintaining compliance with applicable OJK regulations. Previously served as AVP of Operations at Finfy, where successfully contributed to operational development, regulatory preparation, and the company registration process as one of the PAJK-ITSK registered entities under OJK.

Head of Risk Management, PT. Bank Seabank Indonesia

Juri Adrianto is an accomplished banking and risk management executive with over 15 years of experience in enterprise risk management, governance, internal audit, and regulatory compliance. As Head of Risk Management at PT. Bank Seabank Indonesia, he oversees credit, market, liquidity, operational, fraud, cybersecurity, and data governance risks, supporting the bank’s rapid digital growth. Prior to SeaBank, Juri held leadership roles at KPMG in Indonesia and the United States, advising financial institutions, fintechs, and digital platforms on risk, governance, and compliance transformation. He brings a unique combination of Big Four consulting expertise and practical banking leadership, helping organizations strengthen resilience, enhance governance, and drive sustainable growth.