CURRICULUM VITAE
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This curriculum vitae outlines the personal and professional details of Kiagus Muchtar. It includes his education history, work experience, skills, and special projects. Some key details are: Kiagus holds a Bachelor's Degree from the University of Sriwijaya in Palembang, Indonesia. He has over 15 years of experience in banking and finance, having worked at PT. Ista Indonesia, BRI Business Micro, PT Bank Rakyat Indonesia Tbk, and PT Bank Mandiri. His roles have included branch manager, performance and budgeting manager, and credit card operations. He also led several special projects related to credit card policies, risk management, and new product development at BRI.
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CURRICULUM VITAE
- 1. CURRICULUM VITAE I. PERSONAL DETAILS Name : Kiagus Muchtar, SE, Ak, CA. Place & date of Born : Palembang, 21 December 1977 Sex : Male Religion : Islam Marital Status : Married, One Children Resident : Jln.Porti No.201 Rt.008/001 Kel.Raw Jati Kecamatan Pancoran - Jakarta Selatan Phone +6282111574272 or +6287883521977 E-mail : kiagus.muchtar@gmail.com Educations : Bachelor Degree – University of Sriwijaya Palembang Nationality : Indonesian Health : Excellent Hobby : Diving, Photography II. PERSONAL QUALITY  Attractive, good appearance, dynamic, self motivated and dedicated.  Flexibility in solving problem and acquiring new skills and knowledge.  Self motivated, dependable and hard working  Responsibility on the job and discipline  Adapt easily to changing situation and enjoys mastering new challenges III. EDUCATION  University of Sriwijaya (S1) : Palembang, graduated - 2003 IV. TRANING & CERTIFICATE 1. Indonesia Fiscal Study (INFIS),Yayasan Artha Bhakti, November 1999 2. Tax Seminars, Yayasan Artha Bhakti Palembang November 2001 3. Service Mindset Motivational Program Jakarta, June 2005 4. Financial Awareness and Literacy Batam, September 2005 5. Credit Card Education BRI Ragunan Jakarta, November 2005 6. Multi Media Broadcasting training, Sendik BRI, Jakarta, August 2006 7. Custom SQL & Dot Net 2005,Mitra Integrasi Informatika,2007 8. Understanding Chargeback Processing, BRIss & Skots Bandung, November 2008
- 2. 9. Accounting For Bank, Gama Bali, July 2009 10.Training of Advance Credit Bali, February 2010 11.Micro Banking & Retail Banking Academy Jakarta, February 2013 12.Education for Branch Manager Bank Mandiri Academy Jakarta, Maret 2013. V. SUPPORTING QUALIFICATIONS  Computer o Cardlink (Credit Card Management System) o Visual Basic, Java, SQL 2000, PHP, My SQL o MS. Office (Word, Excel, Access, Power Point)  Proficiency in written and spoken English. VI. EMPLOYMENT RECORD 1. 1999 - 2002 PT. Ista Indonesia (Group Samudera Indonesia) Position : Accounting Staff, Marketing Staff and Financial and Operation Vice Manager Responsibilites : Accounting (include: Tax and Salary), reporting, Financial Control, SDM, Product develomen, and marketing 2. 2002 – 2004 BRI Business Micro (Sungai Bahar Unit, Branch Muara Bulian) Position : Deskman, Teller and Mantri (marketing) Responsibilities: Accounting, Tax, reporting, and Marketing (Saving and Landing). 3. 2007 – 2010 Credit Card Department at PT. Bank Rakyat Indonesia. Tbk Position : Credit Card Project Staff, Operastion Supervisor, MIS. Responsibilities: a. Create credit card organization b. Create credit card system and procedure c. Create accounting and financial control d. Human resource recruitment e. Created a credit policy for the process of an ever growing company to meet government review policies and procedures. f. Handling credit card operation, selling, create card, delivery, billing, collection and reporting g. Create sid reporting for Bank Indonesia h. Create system Support for Credit Card Operation (create card, billing, reporting, accounting, tax, card delivery, customer Complain handling etc.) 4. 2011 – 2015 PT Bank Mandiri (Persero) TBK (Micro business) Position : Branch Manager (Sukatani, Bekasi) Responsibilities : a. Communicate effectively, in a proactive manor, both internally and externally business issues, opportunities and risks, externally leading distributor business reviews. b. Increased sale revenue and market share for both existing products, including performance based contracts. Independently conducted credit analysis according to policy and sound credit decision making, preparing decision documents for credit actions. c. Responsibilities in Merchant and ATM Target, selling and maintenance.
- 3. d. Assigned Credit Managerial duties included managing the companies credit line, working with clients to provide equipment availability and credit limits for future funding, daily monitoring of the collection area for actively working past due accounts, manage the sales team for contact performance and attention to credit guidelines. e. Review and prepare credit information and the structure of the information into a common presentation for approval of our financial partners. f. Maintain knowledge of banking terminology, processes, products (lines of credit, letters of credit and term loans) and required information for a competent credit decision. g. Position carries credit approval authority and management of the company’s warehouse line of credit. h. Applied extensive knowledge of banking and repertoire of participating banking institutions to develop a workable relationship for funding. i. Coordinate collection efforts independently and as part of a team. Strong written and verbal communications. 5. 2015 – Corporate Business at PT Bank Mandiri (Persero) TBK Position : Performance and Budgeting Manager Responsibilities : a. Create target for business and budgeting (Financial control) b. Monitoring Business progress and target all branch (funding, Landing, credit card, merchant, ATM, collection, recovery and business project) c. Monitoring cost and budget control d. Business Analytical for business decision e. Responsibilities to CEO about business progress and analytical. . VII. Special Project at PT. Bank Rakyat Indonesia. Tbk 1. As member for Design & Create Credit Card Policy 2. As member for Design Standard Operating Procedure for Credit and Risk and Operations 3. Design & Create Risk Management & Collection User Manual Book. 4. Design Credit, Collection and Risk and Operations training modules 5. Designed parameter set up to Credi tCardManagementSystem CardLink Version 1.modules:  Application Processing System  Card link Authorization  Card link Issuing & Acquiring  Card link Collection  Card link Dispute Manager  Card link Extended Payment Program  Card link Loyalty & Co-Branding 6. Designed parameter set up to Loan Origination System 7. Creating & Design Program & Consept Insurance System Application 8. Creating & Design Credit Card Analyst Program Application 9. BRI PIC for Implementation Program Negative List Credit Card , AKKI 10.BRI PIC for Implementation Indonesian Case Management System (ICE) 11.Creating & Design Bussiness Requirement System : Credit Scoring, Debt Restructure Program (DRP), Credit Card Data Warehouse, Application Credit
- 4. Card Coding System, Application Program Credit Card, Recovery Management System) 12.Creating & Design Platinum Card BRI : Risk Assestment, Platinum Parameter on CardLink , Mastercard Int.and Visa Worldwide 13.As member for Design Management Information Credit Card Online System (MICCOS), 14.Business Product Development for Credit Card (Corporate Card, Co-Branding, Business Card, Private Label, Installment Product, Bonus & Rewards Point,Business Acquiring Sett-up) Project Enhancement Coordinator (Credit Scoring, Business Inteligence, Risk Alert, 3 D Secure Project, EMV - Chips Migration, PBI Parameter for Credit Card Management System) Regards, Kiagus Muchtar, SE, Ak, CA