Abas has worked in the banking industry for 20 years. Until the early 2015 he hold as the Special Asset Management Head at Micro Banking in Bank Pundi, responsible for micro credit portfolio problem. Starting his banking career since 1995 in the Export Import and Loan Admin unit. From there he moved to the Division of Special Asset Management handling the problem loan asset management. In 2005 he joined with the DSP (Mass Market Segment) and becoming the Regional Recovery Head at Self Employee Mass Market in Bank Danamon. In July 2010, Abas joined with Bank BTPN and positioning as the National Collection Head at Micro Banking. Then in 2012, he moved to Bank Pundi as the Special Asset Management Head.

Currently, he actively sharing his experiences in banking industry together with the VBLC team, besides developing his property business. Graduated from accounting department of Borobudur University, he is known as a highly competent, hands-on, and dynamic facilitator in problem loan management especially in micro banking segment.

Banking practitioner with long experience of 30 years, from 1983 until 2014 when he’s retired in Bank Mandiri as VP in Business & Network Development. In his working career he has handled so many banking businesses, in funding, lending, service and operations. He’s been the branch manager in several cities, then promoted as the area manager, and the deputy regional manager supervising east part of the country. In the head office, among others, he’s been the department head of commercial credit recovery and the latest was in Business & Network Development Division supervising the area of Jakarta, West Java and some part of Sumatera. All of credit segments he has involved thoroughly in retail, commercial and corporate. His expertise included of credit management in all segments and processes, funding sales and distribution, operational, priority banking and leadership.

This S1 graduated from IPB Bogor, and S2 of Strategic Management from LMII Medan has been also an active mentor and facilitator in Bank Exim and Bank Mandiri. Currently joined as the Partner of the Vibiz Learning Center to share his long practical experiences to the banking industry in Indonesia.

Banu Himawan has worked in banking industry with specialization as an analyst and research in the field of credit and business for more than 18 years. He began his career at Bank Danamon in the Risk Management Division and later became the manager in Corporate Banking Division with experiences as, among others: Product Specialist, Research Analyst, Credit Reviewer, Senior Credit Financed Approver Asset Based lending to SME and Commercial. He developed also the Credit Scoring for DSP (micro banking) unit. From Bank Danamon he then working at the Deutsche Investment and Development Company -from Deutsche Bank Group- for 3.5 years as an Investment Manager handling projects related to energy, telecommunications and other infrastructure. Subsequently he joined with Bank CIMB Niaga as the Structured Finance Head, where afterward he returned back to Bank Danamon as the Head of Asset Based Lending until March 2015.

He was graduated from the Faculty of Economics, University of Indonesia (FEUI), which then proceeded to the Cardiff Business School, United Kingdom with a degree of M.Sc in International Economics, Banking and Finance.

Currently, he joint the Vibiz team actively provides credit related trainings and consultancies for banks and financial institutions.

As an Islamic banking consultant, he has more than 18 years experience in banking. In the course of his career, he served as Branch Manager until he hold position of Regional Business Manager at the level of the region. Then, at the Head Office he was headed various credit functions, among others: as credit reviewer, risk management and compliance, portfolio management center, handle treasury division and at last in shariah banking. Graduated from ITB and IPPM, he is known dynamic in bringing training, supported by his practical experience in the field of the branch up to head office.

Banking credit practitioner with long experience of almost 30 years, from 1983, until he’s retired in Bank BNI. He has, in his working career, experiences as the credit analyst in the branch and regional level, for several banking segments in the middle, corporate as well as remedial banking. Besides that he has also led operations and service to customer units in several Credit Centers. Prior to his retirement, he’s the Team Leader for the Business Risk Review in the Head Office.

This S1 of Financial Management graduated from Brawijaya University, and S2 Agribusiness Magister Management from Institut Pertanian Bogor (IPB) has been an active facilitator in Bank BNI since 2001, and then to other banks too. Currently joined as the Partner of the Vibiz Learning Center to share his long practical experiences to the banking industry in Indonesia.

Graduates of Bachelor of Economics in Accounting from HKBP Nommensen University, Medan in 1986, and then in 1999 completed the S2 Field Marketing and Human Resource Management, Rydon mastering expertise in Banking, Internal Audit, Human Resource Management, Sales & Marketing. Experienced as an Internal Auditor in Banking for 7 years, practitioner Credit & Banking Operations Manager for 12 years, Business Development and HR Consultant for 10 years. Rydon started his career on two of the leading foreign exchange bank (Bank Niaga and Bank Danamon) to occupy the position of Senior Executive. He held the position of General Manager of the Sister Company of Media Indonesia Group. He ever received an award of Management and Business at National level and Asia. Often invited as a speaker in business gatherings and seminars at several universities, both Private and State. Experienced in Leadership and Management training and practical motivation in various areas, including Leadership, Managing People, Strategic and Business Planning, Selling and Marketing Bank, Credit & Finance, Customer Care and Satisfaction, Operational and Service Quality, Excellent Service, Brain Power Management and NLP, Corporate Culture, Seven Habits, Negotiation Skill, Re Engineering, Team Building, Total Quality Management, Corporate Governance, the Balanced Scorecard and Strategy Maps.

Surja Muliadi Setiadi, our partner in Vibiz Consulting has many experiences in banking for over 22 years, particularly in the field of credit. Graduated from Magister Management Program of Sekolah Tinggi Management Prasetiya Mulya, he began his career at Bank Danamon as an account officer until later became Deputy Head of Branch. In the Regional Office, Surja became Deputy Leader of the territory who handled credit risk and later he became Deputy Chief Credit Officer (CCO) and Head Office Credit Committee members. Furthermore, he led CSA (Credit Support & Administration) Centre, as well as SME Business Approval Head for SME credit and commercial. His last position as Senior Vice President (SVP) – Special Lending Project Head of SME Banking, before becoming a banking consultant.

Surja also has experienced as a part-time lecturer in STMIK Bina Mulia. In addition, he was also an instructor, examiner and writer of training materials on various topics related to credit which was supported by his real experience in development and credit analysis. Often, he teach credit programs for SME, Commercial and Corporate Banking in various top banks.

A banking credit practitioner with almost 30 years experience in Bank BNI until retired. He had various experiences as an analyst, marketing of small and commercial loan, also handling problem loan in several branches. At the Credit Center level in the region, he had led team in credit risk, credit reviewer as well as business development. His last assignment was in the Business Risk Review in Head Office.
This S1 degree graduated in Management from Universitas Jenderal Soedirman and post graduate S2 Master of Administration from University of Indonesia, is very experienced as the facilitator of credit programs in the Bank BNI’s Credit Academy and in other banks, too. Currently has joined as the Partner of Vibiz Learning Center to share his long practical experiences for banking and financial industry in Indonesia.