Sigit Arisman

• Responsible for analyzing and managing the creditworthiness of SME and retail financing portfolios, with a focus on Islamic banking principles.
• Conducted comprehensive financial assessments, business feasibility analyses, and risk evaluations for new and existing clients.
• Engaged in direct communication with clients, auditors, and internal stakeholders to ensure financial transparency and mitigate credit risks.
• Collaborated with fintech partners and third-party developers to assess borrower eligibility and ensure compliance with internal policies.
• Monitored the performance of credit portfolios and implemented early warning systems to prevent non-performing financing (NPF).
• Led regular discussions with business units to provide advisory on structuring of credit proposals and improvement of client risk profiles.
• Played an integral role in team support for Board of Directors’ official visits, ensuring smooth coordination and professional representation.

1. Managed and developed a portfolio of micro and SME financing accounts in accordance with Sharia principles, ensuring healthy asset quality and business growth.

2. Conducted in-depth credit analysis, financial feasibility studies, and on-site surveys to assess prospective customer eligibility and risk levels.

3. Prepared financing proposals and presented them to the internal credit committee to support approval processes.

4. Built and maintained strong relationships with customers, providing advisory services and ensuring high levels of customer satisfaction.

5. Collaborated with the internal risk, legal, and operations teams to ensure accurate documentation, timely disbursement, and smooth post-disbursement monitoring.

6. Consistently achieved monthly financing targets and contributed to the branch’s growth in market share and profitability.

Managed consumer financing services for both government and private sector employees, covering housing loans (KPR), multipurpose loans, and vehicle financing.

Conducted detailed credit assessments, analyzing income stability, collateral value, and overall creditworthiness in line with internal policies and risk parameters.

Maintained strong client relationships by delivering tailored financial solutions and excellent service, contributing to customer satisfaction and retention.

Prepared and submitted comprehensive credit proposals, ensuring timely processing, documentation accuracy, and compliance with regulatory standards.

Collaborated with internal departments such as underwriting, legal, and appraisal to ensure seamless end-to-end credit disbursement.

Successfully expanded the customer base through targeted marketing initiatives, while maintaining a healthy loan portfolio with minimal non-performing loans (NPL).