1988, graduate, Bogor Institute of Agriculture; 2002, MSc, Univ. of Indonesia; short courses in Marketing and Leadership, Univ. of New South Wales, Sydney, London Business School, UK, Univ. of Chicago, USA, IMD, Lausanne, Switzerland, and Kellogg School of Management, USA. Former field manager, plantation company, Lampung. 1990, joined PT Bank Dagang Negara (Persero) as a credit analyst; until 1999, Relationship Manager. 1999, joined Bank Mandiri, Corporate Banking; positions incl. Relationship Mgr and Senior Relationship Manager; until 2006, Vice-President; 2006, Senior Vice-President, Plantation Specialist, then Executive Vice-President, agro-based Group Corporate Banking; May 2010, Director, Commercial & Business Banking, resp. for developing commercial banking and business banking segments, especially SMEs.