<a href="https://news.google.com/__i/rss/rd/articles/CBMiVmh0dHBzOi8vd3d3LnB5bW50cy5jb20vYm5wbC8yMDIyL2luZG9uZXNpYW4tZWNvbW1lcmNlLWZpcm0tdG9rb3BlZGlhLWFkZHMtYm5wbC1vcHRpb24v0gFaaHR0cHM6Ly93d3cucHltbnRzLmNvbS9ibnBsLzIwMjIvaW5kb25lc2lhbi1lY29tbWVyY2UtZmlybS10b2tvcGVkaWEtYWRkcy1ibnBsLW9wdGlvbi9hbXAv?oc=5" target="_blank">Indonesian eCommerce Firm Tokopedia Adds BNPL Option</a>&nbsp;&nbsp;<font color="#6f6f6f">PYMNTS.com</font>

Indonesian eCommerce Firm Tokopedia Adds BNPL Option - PYMNTS.com

<a href="https://news.google.com/rss/articles/CBMiVmh0dHBzOi8vd3d3LnB5bW50cy5jb20vYm5wbC8yMDIyL2luZG9uZXNpYW4tZWNvbW1lcmNlLWZpcm0tdG9rb3BlZGlhLWFkZHMtYm5wbC1vcHRpb24v0gFaaHR0cHM6Ly93d3cucHltbnRzLmNvbS9ibnBsLzIwMjIvaW5kb25lc2lhbi1lY29tbWVyY2UtZmlybS10b2tvcGVkaWEtYWRkcy1ibnBsLW9wdGlvbi9hbXAv?oc=5" target="_blank">Indonesian eCommerce Firm Tokopedia Adds BNPL Option</a>&nbsp;&nbsp;<font color="#6f6f6f">PYMNTS.com</font>

Cheung Kong Graduate School of Business

University of Strathclyde

Universitas Katolik Parahyangan (UNPAR)

Fintech and Payments at Tokopedia

Jakarta, Jakarta, Indonesia

Tokopedia

Fintech and Payments Business Head

- Yokke is using latest technology in providing IaaS (Infrastructure as a Service) for nationwide acceptance of various payment brands such as Visa, Mastercard, JCB, CUP, e-money, LinkAja, contactless cards etc. - IaaS allows issuers (Banks, FIs and server-based electronic money providers) to focus on their core businesses; and they can simply use Yokke as the single acceptance enablers at merchants.

PT Mitra Transaksi Indonesia

President Commissioner

- Managing P&L of the largest Credit Card business in Indonesia with portfolio of over 2 million cardholders and more than Rp 14 Trillion of assets.- Delivered fastest growth Card Receivable in the market, with CAGR ~20% (approximately 3-4 times of market average) and a very healthy NPL of below 1.5%.- Successfully revamped value proposition of HNW, affluent and emerging affluent credit cards, resulting to launch and re-launch new core and co-brand cards.- Successfully built new strategic partnerships with various key merchants (offline and online) for Mandiri’s issuing and acquiring businesses.- Led the roll out Business Process Re-engineering (BPR) project with Credit Card as the 1st pilot, resulting to > 85% of automated credit decision and reduced processing cost by 30% and FTEs by 20% whilst new accounts grew by 120% YoY.- Led strategic initiative to drive digitalization of credit card and payment business for Mandiri’s Retail Banking customers, including took part in the early set-up of LinkAja, a server-based electronic money owned by stated-owned enterprises.- Built new acquisition channels for Cards, resulted to well-diversified acquisition mix between Direct Sales, Branch, Subsidiaries, Telesales and Digital Channels.- Re-skilled card business team across different functions to adopt design thinking and agile mindset.

PT Bank Mandiri (Persero) Tbk.

Card Business Head

- Managing P&L for Consumer Asset products (Credit Cards, Personal Loan and FlexiCredit) and also managing HSBC Premier and HSBC Advance customer proposition. Responsible to drive the bank approach to move from product centric to customer centric approach while at the same time grow the customer base and revenue.- Managing support functions within the Retail Banking & Wealth Management, ie. CRM/Analytics, Information Management and Customer Experience & Relations.- Successfully re-position Credit Card products to capture opportunities in affluent and emerging affluent segment. Launched HSBC Visa Signature and re-launch HSBC Platinum and HSBC Premier Mastercard. Developed strategy and research to own retail/mass (younger) segment through HSBC Platinum Cash Back credit card.- Succesfully re-position Loan products to capture growth opportunities in the affluent and emerging affluent segment. Launched HSBC FlexiCredit.- Successfully re-position HSBC Advance with 3 main pillars, Home Ownership Plan, Children Education Plan and Business Ownership Plan. The newly launched proposition is also used as a global case-study especially for emerging markets. The new HSBC Advance proposition has led to over 200% growth of NTB.

HSBC

Head of Customer Value Management - Retail Banking and Wealth Management

- Successfully lead the integration of non-branch Sales Organization across Consumer Banking business, with over 350 inhouses Telesales and over 450 inhouse Direct Sales. Products coverage: Cards, Ready Credit, Insurance and Liabilities.- Successfully revamped Citi at Work channel, resulting in over 100% growth in the portfolio of customer with payroll accounts. Segment profitability improved as multiple products offered to the payroll segment.- Manage sales supports functions, ie. Learning and Development, Sales Incentive Management, Sales Analytics, Sales Process Reengineering/Automation and Sales Control and Compliance.- Successfully turned-around new accounts momentum resulting in over 40% growth; and successfully grew installment and non-credit insurance booking through telemarketing with over 35% growth rate year-on-year- Successfully developed and grew new accounts from alternate channels (Member Get Member, Co-Marketing/Co-Partner, Internet, Cross-Selling and One-Sell/Bundling initiatives). This has resulted in healthy mix of sales and alternate channels.-Extensive experience in driving new acquisition from processes and policies perspective in both matured and emerging bureau market. Representing Citi as Subject Matter Expert in discussion with Association and/or Regulator with regards to advancement of Credit Bureau in Indonesia.

Vira Widiyasari