Johan Djaja is a consultant for credit, financial and business who has long experience background, among others in banking sector for 24 years. Graduated from the California State University majoring in Accounting, Johan then joined with The Chase Manhattan Bank in Jakarta for 5 years handling Corporate Banking business. Afterwards he developed his career in several banks, among others in Bank Pacific, BII, Bank Danamon, and Bank Mega, all at the senior executive level; as the branch manager, area manager, general manager with SVP title, specializing mostly in credit area. Beside with banks, he has been the President Director of several companies, i.e. BII Finance, Danamon Usaha Pembiayaan, and Trevi Pelita Multifinance. He also had financial career experience with Mega Capital Indonesia and Sierad Produce Tbk. Heavily equipped with credit and other bank’s trainings from overseas as well as domestic one,  Johan is now actively contributing his skills and knowledge as the senior consultant partner with Vibiz Consulting, may also in running his genset business.