Acting President Director, PT Mandiri Utama Finance (MUF)

RIWAYAT PROFESI
Direktur Operasional PT Mandiri Utama Finance (2025-sekarang)
Credit & Risk Management Senior Executive Vice President PT Mandiri Utama Finance (2024-2025)
Credit & Risk Management Senior Vice President PT Mandiri Utama Finance (2022-2024)
Micro Credit Risk & Portofolio Management Vice President PT Bank Mandiri (Persero) Tbk (2018-2022)
Financial Crime Analysis Vice President, PT Bank Mandiri (Persero) Tbk (2016–2018)

RIWAYAT PENDIDIKAN
Master of Business Administration (S2) jurusan Finance & International Business, Michigan State University, Amerika Serikat (2013)
Sarjana (S1) Teknik Industri, Institut Teknologi Sepuluh Nopember, Surabaya (2002)

RIWAYAT NARASUMBER
Credit Bureau Indonesia (CBI) Connect 2025, as a panelist
Webinar Multifinance 2026 Peluang dan Tantangan di Tengah Ketidakpastian Global di Mandiri Corporate University, as a speaker

RIWAYAT PENGHARGAAN
Top Business - TOP GRC Awards 2025, The Most Committed GRC Leader 2025
Infobank - Top 100 CEO and The Future Leaders Forum & Appreciation 2025, Infobank 200 The Next Future Leader 2025

President Director at Credit Bureau Indonesia (CBI)

Anton K. Adiwibowo menjabat sebagai Direktur Utama Credit Bureau Indonesia (CBI) sejak November 2024, setelah berhasil melalui proses Fit & Proper Test dan memperoleh persetujuan resmi dari Otoritas Jasa Keuangan (OJK). Dengan pengalaman lebih dari 24 tahun di industri keuangan, Anton memiliki keahlian mendalam di bidang analisis kredit, operasional, pengembangan bisnis, dan transformasi digital.

Sebelum menjabat sebagai Direktur Utama, Anton menjabat sebagai Direktur Bisnis dan Layanan CBI (2021–2024), dimana beliau memimpin berbagai inisiatif strategis untuk pertumbuhan perusahaan, termasuk penguatan hubungan klien,serta pengembangan solusi kredit berbasis data.

Selain bertugas sebagai Direktur Utama CBI, saat ini Anton juga menjabat sebagai Ketua 1 Asosiasi Pengelola Informasi Kredit (APIIK) - yang merupakan asosiasi Lembaga Pengelola Informasi Perkreditan (LPIP) di Indonesia. Hal ini memperkuat komitmennya dalam mendorong kolaborasi lintas industri demi membangun ekosistem kredit yang sehat dan inklusif.

Karier profesional Anton sebelumnya mencakup posisi strategis di sejumlah perusahaan Fintech penyedia Innovative Credit Scoring, serta berbagai bank multinasional dan nasional seperti HSBC, ANZ, ABN Amro, dan Bank Danamon. Kombinasi antara pengalaman di perbankan konvensional dan inovasi teknologi menjadikannya figur sentral dalam memajukan layanan informasi kredit di Indonesia.

Co-Chairman, Association of Digital Leaders Indonesia (APDI) | Chairperson, Permanent Committee, Jakarta Chamber of Commerce and Industry (KADIN Jakarta)

I spend 20+ years of my career as a director of a company distributing thermal imagery, aviation products and services, and investment in mining, energy & infrastructure after taking position of country general manager with regional role and senior executive level in industrial gases & LNG, oil and gas, banking, management audit & consulting companies. I hold decisive positions in area of general management, operation, lean SCM, strategic procurement, logistics, transport and distribution, project management, corporate planning and business development, quality, health, safety, security, and environment, business continuity management and risk management, compliance, corporate governance and sustainability, corporate banking and trade finance, project finance/PPP with assignments in ASEAN countries primarily Indonesia, the Philippine, Malaysia, Singapore, Qatar, India, Australia and the UK. I hold MBA in Finance and International Business from University of Technology, Sydney Australia, MSc in Energy Finance & Petroleum Economics from University of Dundee, UK, and B.Eng. (Mechanical) from National Institute of Science and Technology. I am a fellow of Australian Reference Group, Society of Petroleum Engineers, Energy Institute and an Accredited Occupational Health, Safety, Security and Environment Management (HSSE) expert. I am open to senior management position relevant to my background.

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

VP - Head of Corporate Innovation Centre, PT Bank Negara Indonesia (Persero) Tbk (BNI)

Sigit Prihatmoko is Head of the Corporate Innovation Centre at PT Bank Negara Indonesia (Persero) Tbk (BNI), where he leads the bank's innovation agenda and builds strategic collaborations with startups, fintech companies, and technology partners. With more than 25 years of experience in banking, he has held leadership roles across strategy management, enterprise transformation, project management, digital banking, trade finance, and enterprise financial systems. His work combines deep industry experience with a strong focus on practical innovation and digital transformation. His current focus areas include artificial intelligence and emerging technologies, innovation management and open innovation, customer-centric transformation, and business resilience for sustainable growth. Sigit is also an active speaker at regional financial and technology forums, where he shares perspectives on innovation, AI adoption, risk management, and the future of financial services. He is passionate about helping financial institutions build trusted, inclusive, and digitally enabled ecosystems.

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.

Head of Ecosystem Support, AFPI & CEO, PT Plus Ultra Abadi (UATAS)

Iwan Setiawan has more than 15 years of experience working with leading companies in Indonesia, including Microsoft Indonesia, PT Astrindo Starvision, PT Baidu Digital Indonesia, PT Rezeki Bersama Teknologi, and PT Izi Data Indonesia. Leveraging his extensive experience in the startup and fintech industries, he is leading UATAS in advancing inclusive financial solutions across Indonesia.

Senior Vice President at PT Bank Rakyat Indonesia (Persero) Tbk. (BRI)

Amin Teguh Prayitno is a Senior Vice President at PT Bank Rakyat Indonesia (Persero) Tbk. (BRI), one of Southeast Asia's largest financial institutions, with more than 22 years of experience across banking, credit management, asset recovery, operations, governance, and internal audit.

Throughout his career, he has held leadership roles in business banking, credit oversight, portfolio quality management, asset recovery, and regional operations. His professional expertise includes risk management, governance enhancement, performance monitoring, and organizational control effectiveness. In his current role within Internal Audit, he focuses on audit governance, fraud risk oversight, remediation monitoring, audit analytics, and strengthening internal control frameworks across the organization..

Amin is passionate about promoting sound governance, responsible lending, and sustainable growth in financial institutions. He regularly shares perspectives on credit risk, fraud prevention, internal controls, and the challenges and opportunities arising from digital transformation in banking and consumer finance.

Retail Lending Business Consultant & Head of Business Strategy, 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.

CEO, PT Trusting Social Indonesia & Vice Secretary General II, AFTECH

Saat Prihartono is a visionary fintech leader and the CEO of PT Trusting Social Indonesia, a premier AI-fintech enterprise pioneering innovative credit-scoring and AI solutions to advance financial inclusion across Southeast Asia. He also serves as the Vice Secretary General II of the Indonesian FinTech Association (AFTECH), actively shaping the regulatory and collaborative landscape of the nation's digital financial ecosystem. With over two decades of leadership experience across financial services, technology, and consumer markets, Saat is at the forefront of driving digital transformation and modernizing credit risk management. Under his strategic direction, Trusting Social Indonesia became the first AI-fintech company in Indonesia to be successfully registered under the Financial Services Authority (OJK) regulatory sandbox as an Alternative Credit Scoring agency (Pemeringkat Kredit Alternatif). Leveraging advanced artificial intelligence and machine learning, his work empowers financial institutions with sophisticated credit risk profiling solutions that expand access to finance for unbanked and underbanked communities. Throughout his career, Saat has held executive and management roles at OVO (PT Visionet Indonesia), Sinarmas, Merck, and Nokia, leading commercial strategy and business development initiatives. He holds an MBA in General Management from IPMI Business School and is a recognized thought leader on AI-driven lending, digital transformation, and the future of financial services in emerging markets.

Senior Vice President - Head of Strategic Transformation, Adira Finance

As a dynamic and results-driven business leader, I excel in transforming organizations through innovative strategies and robust partnerships. My career spans diverse industries, including remittance, multifinance, P2P lending, and SaaS, where I have consistently delivered impactful outcomes. At Flip.id, I lead the team as Business Director ( Multi Finance) and VP Enterprise Growth and Business Development, focusing on strategic partnership and driving growth through commercial and cost efficiency. Previously, I was instrumental in launching Kredit Pintar, Guardian and Atome at Advance.ai, advancing from IT Project Manager to Head of Project Management to Business Development Director. My strengths lie in leadership, strategic thinking, and operational excellence, with a proven track record of significantly reducing costs while boosting sales. Passionate about leveraging challenges as opportunities, I aim to shape corporate visions and achieve scalable growth. My long-term ambition is to spearhead strategic initiatives that leave a lasting impact. Services i support : • Strategic Growth Consulting: Crafting tailored growth strategies to unlock new market opportunities and optimize business performance. • Partnership Development: Building strong collaborations with key stakeholders to drive mutual success. • Business Process Optimization: Streamlining operations to maximize efficiency and achieve sustainable growth. • Mergers & Acquisitions: Expertise in leading end-to-end M&A processes, ensuring seamless integration and value creation. • Leadership & Team Building: Empowering teams through mentorship and creating high-performing, result-oriented work cultures.

Chief Financial Officer at Superbank

Melisa currently serves as a CFO / Finance Director of Superbank. Prior to joining Superbank, Melisa was the CFO of a payment fintech, OY! Indonesia as well as Head of Credit Risk & COO of DBS Bank Indonesia.

She is also currently active in various organizations in which she serves as Director of Global Association of Risk Professionals (GARP) Indonesia, BOD of Chartered Financial Analyst (CFA) Society Indonesia, Co-founders of Indonesia Women in Finance Club, and Vice President of NTU Alumni Association Indonesia.

Recently, she was awarded Indonesia Most Extraordinary Women Business Leader 2025, Indonesia Best CFO 2024 by SWA Magazine, Top 500 Most Outstanding Women 2025, Top 200 Future Leaders 2025 by Infobank, Indonesia's Women Influencer 2023 Award in Financial Services Industry by WFIS.

Melisa moved back to Indonesia in 2014 after various banking stints in JPMorgan Singapore and Citi Singapore. Melisa graduated from Nanyang Technological University, Singapore with a Bachelor of Business specializing in Actuarial Science, and MBA in Finance & Strategy. She is a certified CFA, FRM, CA, CPA (Aust), ASEAN CPA, and contributes as an international keynote speaker and guest lecturer.

Chief Financial Officer (CFO) at Albéa Indonesia

Working 19 years in Multi National Company of manufacturing industries with have strong exposure in logistic, supply chain, inventory control, continues saving improvement project, plant costing, operation controller, finance business partner and finance controller.

Retail Credit Head, UOB Indonesia

Rudy Widjaja is an accomplished Risk Management Executive with extensive Retail Banking and Credit Operations experience across the Asia-Pacific region. Throughout his career, he has managed large-scale credit portfolios while navigating diverse economic landscapes across both mature, developed markets and high-growth, emerging economies, including Japan, Guam, Indonesia, and the Philippines. Rudy brings deep expertise in credit policy, governance, and overall risk management frameworks. He has a proven track record of steering credit operations through complex regulatory shifts and volatile market cycles, most notably leading collections and risk mitigation strategies during Japan's Grey-Zone-Interest crisis. A strong advocate for industry collaboration, he worked alongside major partner banks to support the organization and launch of the first Credit Bureau in the Philippines. He has also been at the forefront of digital transformation in consumer finance, launching instant-approval digital lending and credit card products in the Indonesian market. Recognized for his ability to balance sustainable portfolio growth with robust risk controls and strong process frameworks, Rudy specializes in optimizing credit governance and implementing digital-first credit strategies. He currently serves as the Retail Credit Head for UOB Indonesia.

President Director & CEO, Zurich Topas Life Indonesia

Fred Chan is the President Director & CEO of Zurich Topas Life Indonesia, a life insurer that is part of the global Zurich Insurance Group. He started his career as an actuary in Sydney in the late 1990s and has more than 25 years of experience across Australia, Hong Kong, and Indonesia. Throughout his career, he has held leadership roles with Watson Wyatt, Sun Life, Aviva, Manulife, and Zurich, progressing from actuarial and consulting into finance leadership before taking on the CEO role. Fred is focused on expanding life insurance penetration in Indonesia by building a disciplined, customer-centric insurer across agency, bancassurance, and partnership channels. He is also leading the company through key regulatory developments, including the New RBC framework, PSAK 117, LPS policy guarantee, and PAYDI upgrades, while helping shape a stronger and more sustainable life insurance industry.

Group Chief Revenue Officer at Collectius

Kian Foh Then has been instrumental in building and scaling Collectius into a regional debt management and fintech platform operating across Singapore, Malaysia, Thailand, Indonesia, the Philippines, Vietnam and India. He has played a key leadership role in expanding the business across seven markets, developing strong partnerships with banks, financial institutions, fintechs, investors and regulators, while strengthening Collectius’ capabilities in both debt purchase and third-party servicing. With deep expertise in NPL acquisitions, portfolio pricing, collections strategy and operational transformation, he has led major growth and turnaround initiatives that improved revenue, profitability and regional execution. Collectius manages more than US$7 billion of debt across its markets and partners with IFC, a member of the World Bank Group, to promote responsible debt resolution and customer-centric collections.

Kian brings more than two decades of leadership experience across banking, consumer finance, fintech and digital lending in Southeast Asia. His background spans senior roles in retail banking, credit risk, collections, fraud control, lending operations and digital credit, including experience with major financial institutions and fintech platforms. This combination of banking discipline, digital lending knowledge and distressed asset management expertise gives him a practical end-to-end perspective on credit lifecycle management — from origination and risk assessment to collections, recovery, restructuring and portfolio resolution. His experience enables him to bring both strategic insight and hands-on execution to discussions on sustainable credit growth, responsible collections and the future of debt management in Asia.

Head of Risk Management, PT. Bank Seabank Indonesia

Universitas Katholik Parahyangan, Bandung
Sarjana Ekonomi, Akuntansi

Fairleigh Dickinson University, New Jersey
Master of Business Administration (MBA)

Universitas Indonesia, Jakarta
Akuntan (Ak)

Universitas Gadjah Mada
Magister Hukum (MH)

PROFESSIONAL EXPERIENCE

HEAD OF RISK MANAGEMENT JUL 2022 – PRESENT
PT. Bank Seabank Indonesia | Jakarta, Indonesia
I lead SeaBank's enterprise-wide risk management framework to enable sustainable, high-velocity digital growth. Serving as a partner to the Board of Directors, Board of Commissionaires, and regulatory bodies (OJK/BI). I align comprehensive risk strategies, spanning credit, market, liquidity, operational, and IT Security, with Bank's objectives. Promotes robust corporate governance culture that secured Bank's resilience, safeguarded profitability, and reinforced customer trust during rapid market expansion.

Credit Risk Management
- Oversaw retail-focused credit portfolio ~IDR 26 trillion
- Led credit policy development, portfolio monitoring, and risk reporting to the Risk Management Committee, OJK, and senior management.
- Instituted early-warning frameworks and data-driven underwriting strategies, ensuring sustainable portfolio growth and minimizing bad loans amidst volatile economic cycles

Market & Liquidity Risk
- Managed liquidity positions, ensuring compliance with regulatory requirements and supporting growth.
- Conducted stress testing and liquidity gap analysis to safeguard stability under volatile market conditions.

Operational Risk
- Enhanced Key Risk Indicators (KRIs) and implemented robust Risk and Control Self-Assessment (RCSA).
- Directed QA reviews for KYC, AML, Payment & Settlement, and Collection operations.
- Maintained minimal major operational risk incidents and kept operational losses at low levels.

IT Risk & Data Governance
- Led cyber maturity assessments and tabletop exercises to strengthen resilience against cyber threats.
- Established Data Governance framework aligned with Indonesia's Personal Data Protection Law (UU PDP), including Records of Processing Activities (RoPA) and CP

Fraud Risk & Operations
- Designed fraud detection rules and enhanced authentication methods, balancing customer experience with security.
- Led Fraud Operations team handling daily fraud cases, including coordination with regulators under the Indonesia Anti-Scam Center initiative

HEAD OF INTERNAL AUDIT APRIL 2020 – JULY 2022
PT. Bank Seabank Indonesia | Jakarta, Indonesia
- Established and led the Internal Audit function from the ground up, including designing the audit framework and annual risk-based audit plan
- Provided independent assurance and value-added consultation to management and the Board to strengthen internal control systems and mitigate key risks

MANAGER 2015 – 2020
KPMG LLP| San Francisco, USA
- Directed SOX implementation, governance, and risk management projects for asset management firms, banks, peer-to-peer lending platforms, and crypto exchanges.
- Developed and implemented risk management frameworks to enhance compliance and operational resilience for clients, focusing on Pre-IPO Project.
- Oversaw cross-functional teams, delivering advisory services on internal controls, financial reporting, and enterprise risk

ASSISTANT MANAGER 2012 – 2015
KPMG Indonesia | Jakarta, Indonesia
- Managed statutory financial statement audits for financial industry clients (banks and multi-finance companies) in compliance with PSAK.
- Led audit planning, supervised teams, and coordinated client wrap-up meetings to present key findings.
- Produced high-quality audit reports, ensuring regulatory compliance and strengthening clients' internal controls.

HEAD OF ADMINISTRATION 2010 –2012
PT. Pesona Edukasi | Jakarta, Indonesia
Supervised five departments: (1) Finance (2) Human Resource (3) Purchasing (4) Legal and (5) Logistic departments. Responsible to review Company's annual budget and business plan, developed performance management and continuously increase company's operational efficiency.

VP, Head of Risk at PT Krom Bank Indonesia Tbk

Hanifah A. Sosrokoesoemo is a seasoned Enterprise Risk Management leader with more than 15 years of experience across banking and digital financial services. She currently serves as VP, Head of Enterprise Risk Management at PT Krom Bank Indonesia Tbk, where she leads enterprise-wide risk strategy, governance, and risk management initiatives. Prior to joining Krom Bank, she held senior leadership roles in risk management and anti-fraud functions at Bank Jago, ShopeePay, and Gojek, where she played a key role in building scalable risk frameworks, strengthening governance practices, and developing high-performing teams. Hanifah is an Oxford University graduate who received a merit-based scholarship and has demonstrated strong leadership beyond the corporate sector, serving as Head of Delegation to the Y20 Summit in Beijing and as a Fellow of the Saraswati Fellowship. Her expertise spans enterprise risk management, fraud prevention, governance, digital financial services, and organizational resilience.

Chief Risk Control and Assurance, PT. Lippo Karawaci, Tbk

Finance and accounting professional with business law background and general management orientation. Specialties include experience in audit, risk and compliance, commercial & controlling, budgeting & financial analysis, performance and process management, private placement, and insurance management.

Managing Director - Regional Head of Consumer Credit Operations at CIMB

Short professional bio - professional with 21 years of rich experience in the area of retail risk, credit, collections and fraud management covering various markets in south east asia. Started with standard chartered bank india followed by standard chartered malaysia and spent a total of 13 years there before moving to CIMB and completing 8 insightful years. In the current role, I cover Underwriting, Collections and Fraud for the regional retail business. It’s been an exciting journey particularly the last few years during and after Covid and also recent times full of uncertainties trying to continuous optimize our strategies to manage our business efficiently in these markets.

Head of Receivable Management at Touch 'n Go

* I am a Senior Finance professional with over 18 years of experience in Accounts Receivable, Credit Management, and Collections within global shared services environments.

* I currently serve as Associate Director, Accounts Receivable Management, where I lead end-to-end Credit-to-Cash (C2C) operations.

* My core focus is on improving cash flow, reducing credit risk, and strengthening collections performance across portfolios.

* I specialize in Credit-to-Cash (C2C) processes, including:
* Credit assessment and credit risk management
* Collections strategy and execution
* Dispute management and resolution
* Billing accuracy and revenue protection
* Working capital and DSO optimization

* Over the years, I have consistently driven improvements in:
* Days Sales Outstanding (DSO) reduction
* Cash recovery and collection efficiency
* Customer payment behavior analysis
* Credit control framework strengthening

* I have led multiple transformation and automation initiatives in Accounts Receivable, including:
* Automation of collections workflows
* Implementation of structured dunning strategies
* Development of AR performance dashboards
* Process reengineering to reduce manual intervention

* Previously, I spent 17 years at DXC Technology, where I held various finance leadership roles managing large-scale AR operations supporting global clients.

* During this tenure, I was actively involved in:
* Strengthening internal controls and compliance
* Driving process improvements across finance operations
* Managing end-to-end AR portfolios
* Supporting audit and governance requirements

* My contributions were recognized with multiple awards, including the "Finance Rockstar" Award for process and control excellence.

* I am known for my practical approach to Credit & Collections, combining data, process discipline, and stakeholder collaboration to ensure timely collections while maintaining strong customer relationships.

* I have worked closely with sales, operations, tech and customer teams to resolve disputes efficiently and improve payment cycles.

* As a leader, I have built and mentored high-performing AR teams, focusing on accountability, capability development, and continuous improvement.

* I strongly believe Credit & Collections is not just an operational function, but a strategic driver of cash flow, liquidity, and business sustainability.

* My focus continues to be on building efficient, data-driven, and scalable Credit-to-Cash processes that support strong financial health and business growth.

Head of Collections at DBS Bank

Passionate about digital collections with extensive experience in both banking and non-banking sectors. Known for driving initiatives that optimize digital loan collection processes, including treatment strategies, capacity planning, segmentation, and scoring models. Achieves high-performance outcomes by leveraging analytics and strategic insights to enhance collection management.

Key Strengths:
* Collection Management: Skilled in managing portfolios such as Digital Unsecured Loans, Conventional Unsecured Loans, Credit Cards, Mortgages, and Secured Loan SME portfolios.

* Productivity and Effectiveness: Expert in enhancing collection productivity through strategic planning, capacity calculations, and efficient execution. Consistently reduces delinquency and NPL rates while boosting recovery rates with effective treatment strategies.

* Analytical Expertise: Proficient in analyzing collection performance, forecasting trends, and implementing segmentation and champion-challenger models to optimize collection practices.

* Leadership: Strong leadership skills with experience managing in-house collection teams, front-end and back-end operations, recovery teams, third-party agencies, and field collectors.

* Digital Collection Systems: Experienced in utilizing advanced collection systems including CACS, Vision Plus, Autodialer Collection, CWX Web, and GPS Field Activity Tracking System (FAST)

Regional Director for Asia, Loxon

Jiri Jaros is a long-standing expert in credit risk, with experience spanning the full credit lifecycle from underwriting to collections. He has worked at the intersection of business, technology, strategy, digital transformation and IT, helping financial institutions address executive, operational and process efficiency challenges. A significant part of his career was spent leading a mid-sized European consulting firm specialising in credit risk topics, with an international team covering mainly Asian and Eastern European markets. Under his leadership, the company more than tripled in size and profitability in less than four years. During this period, Jiri also cooperated with Loxon on several projects, particularly in the field of collections. He later moved to the client side and joined Home Credit's regional Asian headquarters in Hong Kong, where he oversaw operations across several local markets. Throughout his career, Jiri has lived and worked in Japan, the USA, Germany and Austria, while maintaining his family roots in Czechia. At Loxon, Jiri serves as Regional Director for Asia, based in Singapore. In this role, he supports the development of Loxon's regional presence, with a special focus on retail lending, collections, technology support and long-term client success across Asian markets, providing support for banks and lenders looking to modernise collection operations and improve credit lifecycle performance.

Head of Risk at Kredit Pintar Indonesia

A financial service and risk management enthusiast.
Risk and Artificial Intelligence (RAI) certified by Global Association of Risk Professionals (GARP), designated to demonstrate the essential knowledge and tools to harness the transformative power of AI and machine learning and ensure AI is deployed responsibly within organization.

Key experiences include:
1. IFRS modeling and Implementation
- Developed forward looking Probability of Default (PD) models, Loss Given Default (LGD) models, and Exposure At Default (EAD) models as accordance with IFRS 9 requirements;
- Implemented IFRS models, including UAT and system implementation.

2. Credit risk advisory
- Assisted clients in numerous banking and financial institutions to implement credit risk modelling;
- Assisted clients to conduct fair valuation for financial instruments (loan and receivables).
- Developed various risk models, including scoring, stress test, ICAAP, RAROC

3. Risk Analytics and reporting
- Provided insights for strategic decision making through analytics, mainly in the area of credit risk and collection
- Provided optimization opportunities through analytics
- Provided various MIS reports for analytical purposes

4. Derivative valuation
Conducted fair value derivative valuation, including forward, non-deliverable forward, cross currency swap, interest rate swap, cross currency interest rate swap, commodity swap, etc.

5. Capital management
developed capital prioritization framework and capital allocation model.

6. Integrated risk management and governance
- Assisted clients in enterprise risk management implementation. Industries served varies from coal mining, chemical, plantation, to airline industry.
- Assisted clients for integrated governance in a financial conglomeration

Area of expertise: quantitative risk, credit risk, risk modelling, analytics, IFRS 9, derivative valuation, integrated risk management, capital management

Founder & CEO, Ara Pay

Koen Munneke is the Founder and CEO of Ara Pay, a Singapore-headquartered fintech running AI-powered WhatsApp collections infrastructure for licensed lenders across Malaysia and Southeast Asia. Ara Pay's platform automates borrower outreach, negotiation, and escalation handling directly within WhatsApp—the channel borrowers already use—combining account orchestration with AI-driven conversation automation to achieve collection rates of 84.3% while cutting operational costs by 80–90% versus traditional AR teams. Koen founded Ara Pay to solve a structural problem specific to Southeast Asia's post-pay economy: lenders depend on WhatsApp for borrower communication, but doing so at scale creates account blocking risk, compliance exposure, and heavy manual overhead. Ara Pay's infrastructure-first approach addresses all three, giving lenders the visibility and control to scale collections without scaling headcount. Koen works closely with licensed consumer lenders navigating Malaysia's KPKT compliance requirements and the day-to-day realities of high-volume, high-frequency collections—regulatory and operating conditions that will be familiar to lenders across the region. He brings a builder's perspective to the credit and collections conversation—less theory, more what actually holds up when you're processing thousands of borrower conversations a day. At Credit & Collections Summit Asia 2026, Koen will share Ara Pay's perspective on the challenges and opportunities of applying AI to collections for consumer finance companies, drawn from direct experience deploying these systems with lenders across the region.

Chief Risk Officer at PT Bank Neo Commerce Tbk

Indra Aditya Sanjaya is a senior banking and financial services executive with more than 15 years of experience in risk management, digital banking, fintech, and credit portfolio strategy. He currently serves as Chief Risk Officer of PT Bank Neo Commerce Tbk, where he leads the implementation of enterprise-wide risk management, ensuring sustainable business growth through strong governance, regulatory compliance, and prudent risk practices. Indra holds a Bachelor’s Degree in Economics from the University of Indonesia and has completed various professional certifications in risk management, fintech leadership, data analytics, and machine learning. Beyond his corporate responsibilities, Indra serves as Vice Chairman of the Multi-Purpose Financing Cluster at AFPI, contributing to industry policy discussions, regulatory engagement, and initiatives that promote responsible innovation, sound risk management, and the sustainable development of Indonesia’s digital financial services ecosystem.

SVP - Head Digital Product Owner (Digital Business) at PT Bank Sinarmas Tbk

With a foundation in Computer Science and Agribusiness, I bring extensive experience (15+ yrs) in the banking/financial service industry, spanning both risk management and business operations. My expertise covers the full spectrum of lending products; ranging from consumer to productive lending, where I focus on balancing innovation with risk management.

I have a proven track record of building financial products from the ground up, scaling them effectively, and driving growth, revenue, innovation, and quality. My experience includes leading tech-driven solutions that align with organizational objectives, fostering digital transformation, and enhancing operational efficiency.

I am also passionate about leading organizational transformations, where I combine strategic vision with hands-on execution to deliver meaningful and impactful results.

I believe in the power of change as a driver of growth. My lifetime motto is: “The only constant is change; through changes, we grow.”

SEVP – Chief of Legal, Compliance, Corporate Secretary & Risk Management, Avrist Assurance

Professional, passionate, experienced and skilled in Financial Industry as Compliance, Risk Management, Anti Money Laundering, Investigation and Internal Audit, within State Owned and Private Enterprise environment. Equipped with educational background in Accounting, Economy, Law, and Actuaries. Experienced and capable in leading team to achieve company goals and fully contribute to organizational achievement.

CEO at JurisTech

Co-founded by CEO Wai Hun with nearly three decades of experience, JurisTech partners with banks to deliver enterprise-class 360° AI lending and recovery technology. Its solutions help customers modernise credit and collections end to end, reduce manual effort, improve decisioning, and strengthen recovery outcomes with speed, security, and consistency.

JurisTech appears in multiple Gartner reports, most recently in Gartner’s Hype Cycle for Artificial Intelligence in Banking, 2026, where its AI capabilities were listed across three AI banking categories. It also recently co-won Best Consumer Lending Technology Initiative in Asia Pacific with Alliance Bank at The Asian Banker Global Financial Technology Innovation Awards 2026, for a project that improved application turnaround and staff productivity by 30%, enabled one-day personal loan disbursement, and reduced mortgage processing from seven days to three.

Head of Collection at PT Senmonka Milenia Bisnis

I am a lending operations and collections leader with more than 20 years of experience across banking and fintech industries. My career has been focused on building high-performance collections organizations, improving recovery performance, and stabilizing lending portfolios during periods of rapid business growth.

One of the key highlights of my career was scaling a fintech collections organization from 28 to more than 675 team members, building structured operational divisions across front-end collections, mid-range collections, and recovery operations.

Earlier in my career, I led operational transformation initiatives that significantly improved collections productivity, increasing monthly recovery from IDR 900 million to IDR 9.8 billion within four months through operational restructuring and team performance management.

My experience spans multi-channel collections operations including tele-collections, field recovery, and third-party agency management across banking and fintech lending portfolios.

I am particularly passionate about building scalable collections systems that protect lending portfolios while maintaining strong governance, regulatory compliance, and customer fairness.

President of Indonesian Bankers Club & Chief of Fintech, Economy & Digital Asset at KADIN

Raine Renaldi is an award-winning digital transformation leader and one of Indonesia's most influential figures in Digital Economy, Future Banking, and blockchain innovation. As President of the Indonesian Bankers Club, he guiding more than 45,000 members, and with more than 16 years in Banking, investment and Tech , he leads ID Opentech Group, a Private Equity with 16 companies across Asia , as Chief of the Fintech, Economy and Digital Asset Committee at the Indonesian Chamber of Commerce and Industry (KADIN), he drives sustainable urban development and digital policy nationwide. Mr Renaldi is Group President of EV-READY Global Mobility and heads the Metro Kapsul initiative, transforming Indonesia's mobility ecosystem toward a low-carbon future.

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

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.

Executive Vice President at Indonesia Financial Group (IFG)

With over three decades of professional experience, currently serving as Executive Vice President at Indonesia Financial Group (IFG), contributing to risk management, compliance, and policy development. Prior roles at IFG and BPJS Ketenagakerjaan have strengthened expertise in investment analysis and valuation, risk management, and compliance. As a CFA Charterholder, committed to fostering robust financial governance and sustainable growth within the organization. Dedicated to enabling team success and aligning efforts with IFG’s mission of driving financial stability.

Chief Revenue Officer, WIZ.AI

Alex Song is the Chief Revenue Officer of WIZ.AI, where he leads global revenue strategy, enterprise sales, partnerships, and customer growth. He has helped scale WIZ.AI to more than 300 enterprise clients across 17 countries. Alex brings more than 11 years of leadership experience across the technology and logistics sectors, with deep expertise in enterprise transformation and international growth. Before joining WIZ.AI, he served as Vice President at Samsung SDS.

Sales Director, APAC, C&R Software

Ken is a trusted advisor in collections and recovery, with expertise spanning collections, recovery, litigation, compliance, credit risk, and sales leadership. Starting his career at Citibank, he rose through senior roles at leading banks, insurers, and fintechs, gaining a 360-degree view of how risk, governance, and commercial performance intersect. Today, as Sales Director, APAC at C&R Software, Ken partners with financial institutions across the region to modernize legacy collections operations, replacing outdated processes with intelligent, compliant platforms that deliver measurable results. He's a passionate advocate for the industry's digital transformation, championing data-driven, customer-centric recovery strategies built for today's regulatory landscape.

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.

VP Corporate Credit Risk & Banking Expert

Johan Wiratanto has over 18 years of experience in corporate credit risk analysis with a proven track record of prudent decision-making and risk management across reputable foreign, state-owned, and local banks in Indonesia. Johan I. Wiratanto, who currently serves as Vice President Corporate Credit Risk, earned a Bachelor of Management degree from the Bandung Institute of Technology and an Executive MBA from Peking University.

Partner, EY-Parthenon Indonesia Strategy & Transactions

Oki Stefanus is a Partner at EY Indonesia specializing in Financial Due Diligence and transaction advisory services. He has advised numerous M&A and investment transactions across Indonesia and Southeast Asia, with a particular focus on the financial services sector.

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.

Head of Risk Analytics MIS & Regulatory Reporting, Atome

Excellent interpersonal skills with solid analytical and problem solving capability. Highly motivated & positive thinking leader, eager to learn as well have patience in building strong team player which benefit both company and team member. Specialties: Policy, Operational Risk, Portfolio Analytic & Monitoring, Governance, Management Information System & Collection Strategy

Chief Risk Officer and Industry Leader

Adrianus Darmawan is an accomplished risk management and banking executive with extensive experience spanning senior risk leadership, banking strategy, and cross-sector advisory services. He currently oversees risk across multiple entities with total assets of approximately IDR 43.7 trillion, managing both financial and non-financial risks while working closely with Boards of Directors, executive management, and business stakeholders. Adrianus is recognized for translating complex technical risk issues into strategic business decisions, strengthening forward-looking solvency and stress-testing capabilities, and helping organizations anticipate emerging risks with greater discipline and resilience. Earlier in his career, he led wholesale banking strategy and planning for a large corporate portfolio and built financial services risk advisory practices across multiple industries, including contributing to industry master plan initiatives. He is also an innovator in the field of AI governance and risk management, holding registered copyrights from Indonesia's Directorate General of Intellectual Property for 'HA-AT: Human-AI Anchored Thinking,' a methodology focused on cognitive AI governance, decision-flow control, and long-term human-AI collaboration, as well as an integrated conceptual framework for navigating global uncertainty in insurance risk assessment and management.

Senior Director Sales at Credgenics

An award winning Best Performer started as a Core Marketing Professional, Licensing Specialist and then a strategic Business Manager and currently working as Director for Strategic Alliance and Solution Sales with approx. 10+ years of experience in a leading ICT System Integrator & Distribution Multinational Company, world’s largest Software OEM and the world’s fastest growing Microsoft LSP. Experienced to setup new Business Strategy and execute successfully by building the right plan and hiring right teams to execute same. Lives the core values of humbleness, being passionate and being customer focused.

• Strategic Business Initiative planning based on Vision
• Aspirational Growth Catalyst
• Market Analysis and Research
• Drawing Business Plan
• Excellent GTM building skills
• Software Licensing and SAM consultant
• Team Leading/building qualities
• High commitment level
• Leading by Example to be an Individual Contributor to my team
• Agility to take up new challenges and roles
• Learning new technology and drive business problem resolutions
• Establish Executive level Connect with customer efficiently
• Building new business line from scratch
• Strategic Alliance and Channel Management

Head Corporate Affairs of Easycash by Fintopia

Wildan Kesuma is a senior executive in communications and government relations with over 18 years of experience across fintech, on-demand platforms, and resource-based industries. Currently Head of Corporate Affairs at Fintopia Indonesia (Easycash), he advises top leadership on communications, brand, reputation management, and stakeholder engagement to strengthen the company's reputation in Indonesia's digital lending industry. His professional journey includes key roles at Gojek, Akulaku Finance, and APRIL, where he led high-impact initiatives in policy advocacy, reputation management, and crisis communications. Wildan, who graduated with honors from the School of Business and Management of Institut Teknologi Bandung (SBM ITB), also serves as Secretary General of the SBM ITB Alumni Association and Vice Chair for Energy and Mineral Resources at Indonesia's Chamber of Commerce (KADIN) Belitung Province, where he champions sustainable industry development and strategic collaboration. He is known for his ability to align business objectives with public value, enabling inclusive growth through ethical innovation and meaningful partnerships.

Chief Financial, Risk & HR Officer, Indonesia Healthcare Corporation (IHC)

C-suite executive with global and domestic experience across corporate finance, enterprise risk management, governance, and human capital leadership in complex organizations. Doctorate in Healthcare Leadership, with a Master's in Financial Economics and a Bachelor's in Accounting. A qualified accountant with additional certifications in risk, audit, valuation, and liquidation, including CA, CPA, FCPA, CRP, CACP, FMVA, and CLI.

National Collection Department Head at PT CIMB Niaga Auto Finance

Fakhri Zein is the National Collection Department Head at CIMB NIAGA AUTO FINANCE. He specializes in collection strategy, credit risk management, and recovery optimization, with extensive experience in the consumer finance industry. Fakhri is passionate about leveraging data, technology, and operational excellence to drive sustainable collection performance and enhance customer experience.

Litigation Collection Assistant Manager, The Saudi Investment Bank

Head of Risk Management at PT Bank of India Indonesia Tbk

Head of Risk Management with 16+ years of progressive experience in quantitative risk modelling, regulatory frameworks, and integrated risk management systems within the banking sector. Proven expertise in developing sophisticated market risk models (VaR, PSE, EAR, EVE), liquidity risk frameworks (LCR, NSFR, MCO), and credit risk assessment methodologies (PD/LGD modelling) for international banks.

Skilled in leading ILAAP/ICAAP stress testing initiatives, ensuring OJK/BI regulatory compliance, and implementing forward-looking risk analytics based on macroeconomic variables. Demonstrated track record of building risk management information systems, designing data mart architectures, and driving data-driven decision making across risk functions.
Currently leading risk management at Bank of India Indonesia Tbk, with prior leadership roles at Bank Resona Perdania spanning risk management.

Credit Control Manager, Henkel Industrial Company | Lead of Adhesive Technology

Bringing over 14 years of experience in Credit Management, Collections, Accounts Receivable, and Customer Financial Operations. Playing a key role in strengthening credit processes, improving cash flow performance, and fostering strong partnerships between Finance, Sales, and Customer Service.