Summary
Overview
Work History
Education
Skills
Accomplishments
Work Availability
Certification
Timeline
OfficeManager
Caramia Whardana

Caramia Whardana

Senior Banker
Jakarta,DKI

Summary

  • Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.
  • Dedicated banking professional with history of meeting company goals utilizing consistent and organized practices. Skilled in working under pressure and adapting to new situations and challenges to best enhance the organizational brand.
  • Experienced Banker with over 30 years of experience. Excellent reputation for resolving problems and improving customer satisfaction.

Overview

34
34
years of professional experience
1
1
Certificate

Work History

Country Manager

ASEAN Business Partners
Jakarta, Indonesia
09.2022 - Current
  • Developed and executed strategic initiatives to drive business growth, resulting in higher revenues and market share expansion.
  • Established a culture of continuous improvement, leading by example to drive operational excellence across the organization.
  • Collaborated with executive leadership team members on long-term strategic planning that ensured sustainable success for the company.
  • Enhanced company performance by implementing new strategies and streamlining operations.
  • Revamped sales strategies to increase customer acquisition rates while maintaining strong profit margins.
  • Optimized budgeting processes for greater transparency and control over financial resources, resulting in more informed decisionmaking.
  • Strengthened relationships with key stakeholders, fostering trust and collaboration across the organization.
  • Identified opportunities to improve business process flows and productivity.
  • Networked with customers, prospects and partners at conferences and trade shows.
  • Aligned organizational objectives with company mission to increase business growth and integrate work strategies.
  • Enabled revenue generation by pursuing partnerships, sourcing funding, and capitalizing on market opportunities.
  • Established and maintained strong relationships with customers, vendors and strategic partners.

SVP & Head of Strategy and Business Implementation

PT. Bank HSBC Indonesia
Jakarta, Indonesia
04.2012 - 06.2022
  • Used Microsoft Word and other software tools to create documents and other communications.
  • Participated in continuous improvement by generating suggestions, engaging in problem-solving activities to support teamwork.
  • Carried out day-to-day duties accurately and efficiently.
  • Used coordination and planning skills to achieve results according to schedule.
  • Created plans and communicated deadlines to complete projects on time.
  • Led projects and analyzed data to identify opportunities for improvement.
  • Paid attention to detail while completing assignments.
  • Navigated complex regulatory environments, ensuring compliance with relevant laws and policies while maintaining strategic objectives.
  • Evaluated effectiveness of internal controls by testing key controls across various business units within the organization.
  • Participated in fraud investigations, gathering evidence to support legal proceedings when necessary.
  • Safeguarded against financial misstatement by rigorously evaluating internal controls and recommending improvements.
  • Oversaw successful completion of numerous audit projects, consistently meeting deadlines and quality benchmarks.
  • Prepared working papers, reports and supporting documentation for audit findings.

Head of Consumer Banking Service and Operations

HSBC Indonesia
Jakarta, Indonesia
04.2011 - 10.2012
  • Worked with customers to understand needs and provide excellent service.
  • Participated in continuous improvement by generating suggestions, engaging in problem-solving activities to support teamwork.
  • Resolved problems, improved operations and provided exceptional service.
  • Used critical thinking to break down problems, evaluate solutions and make decisions.
  • Increased customer satisfaction by resolving issues.
  • Reduced audit risks by developing and executing comprehensive testing procedures.
  • Followed established auditing processes to meet internal and regulatory requirements.
  • Prepared working papers, reports and supporting documentation for audit findings.

SVP PFS Branch Sales and Distribution Jakarta

HSBC Indonesia
Jakarta, Indonesia
06.2009 - 04.2011
  • Managed around 12 branches across Jakarta Region to ensure target achievements
  • Identified issues, analyzed information and provided solutions to problems.
  • Worked within applicable standards, policies and regulatory guidelines to promote safe working environment.
  • Learned new skills and applied to daily tasks to improve efficiency and productivity.
  • Monitored key business risks and established risk management procedures.
  • Founded performance- and merit-based evaluation system to assess staff performance.
  • Created succession plans to provide continuity of operations during leadership transitions.

SVP – HR Relationship – HR Business Partner

HSBC Indonesia
Jakarta, Indonesia
12.2007 - 06.2009
  • Responsible for recruiting and facilitating various training programs for employees.
  • Determining methodologies for training and programs that can increase knowledge for employees.
  • Provide Executive Coaching for businesses and HR partners so that they can improve banking development and management strategies.

SVP – HR Relationship – HR Policy

HSBC Indonesia
Jakarta, Indonesia
01.2007 - 11.2007
  • Establish standardization for recruitment and training process for Consumer Banking.

SVP Branch Sales and Distribution Jakarta

HSBC Indonesia
Jakarta , Indonesia
09.2005 - 12.2006
  • Responsible for the development and supervision of the Consumer Banking business in the Jabodetabek area Also responsible for generating good and sustainable returns for the Consumer Banking business in Indonesia and being a major stakeholder / contributor in HSBC Indonesia's transformation to become a leading financial services provider .

VP Card Services

HSBC Indonesia
Jakarta , Indonesia
09.2004 - 09.2005
  • Leading the team and providing fast and reliable service in conducting telephone services. Providing solutions to customers that are very useful for maintaining the bank's reputation risk in banking competition.
  • Proved successful working within tight deadlines and fast-paced atmosphere.

VP Consumer Banking Jakarta Region

HSBC Indonesia
Jakarta, Indonesia
01.2002 - 09.2004
  • Responsible for developing and overseeing the network and implementation of Consumer Banking and Wealth Management strategies in the Jakarta area. Ensuring targeted growth and profitability can be achieved. Also responsible for maximizing sales and operational activities related to Branch Operations in Indonesia.
  • Developed and maintained courteous and effective working relationships.

VP Delivery and Distribution

HSBC Indonesia
Jakarta, Indonesia
03.1999 - 12.2001
  • Responsible for strategy development, optimization and expansion of all distribution/channel capabilities. Including strategic investment, sales, channel performance, metrics, channel distribution and competitive intelligence. The scope of this role includes a complete RBC 'footprint' - including branches, ATMs, Call Centers Contact Centers, sales teams and agencies/third parties.

Manager Delivery and Distribution

HSBC Indonesia
Jakarta, Indonesia
01.1998 - 02.1999
  • Responsible for Non-Branch Business Planning (Electronic Distribution, ATM and Phone Banking) – conducting business performance assessments and strategic planning. Operational Improvement - efficiency, planning, assessment, training and implementation, including matters relating to: Leadership, planning, training and operational risk mitigation, compliance and implementation, capital and financial planning.
  • Developed and implemented performance improvement strategies and plans to promote continuous improvement.

Manager Securities Operation

HSBC Indonesia
Jakarta, Indonesia
03.1996 - 01.1998
  • Receive a mandate from the customer to vote in the dividend distribution decision.
  • Prepared variety of different written communications, reports and documents.

Trade Executive

HSBC Indonesia
Jakarta, Indonesia
10.1994 - 03.1996
  • Supervise all import-export activities and participate in encouraging the growth of Indonesia's total trade volume.
  • Maintained full compliance with trade laws and regulations by tracking changing conditions.

Core Banking Conversion Project Manager

HSBC Indonesia
Jakarta, Indonesia
03.1992 - 10.1994
  • Participate as a Project Team in replacing core banking from the old system to HUB.

Securities Settlement Officer

HSBC Indonesia
Jakarta, Indonesia
06.1991 - 02.1992
  • Responsible for ordering and settlement of stock trading transactions on behalf of customers.
  • Exceeded goals through effective task prioritization and great work ethic.
  • Collaborated with team members to achieve target results.

Officer in Charge Customer Service

HSBC Indonesia
Jakarta, Indonesia
10.1990 - 06.1991
  • Responsible for providing excellent customer services following HSBC standards.
  • Maintained energy and enthusiasm in fast-paced environment.
  • Actively listened to customers' requests, confirming full understanding before addressing concerns.

Education

Bachelor of Science - Business Administration

California State University
Sacramento, California, USA
06.1990 - 06.1990

Skills

Business processes and procedures

Business growth and retention

Planning and implementation

Understanding of client business requirements

Business understanding

Policies and procedures implementation

Accomplishments

  • Senior Executive who have a good track record and are very experienced in carrying out tasks that involve various functions and businesses.
  • Front line business experience.
  • Manage a large team consisting of front line and support to achieve a change.

Work Availability

monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Certification

Risk Management Certification Level 5

Timeline

Country Manager

ASEAN Business Partners
09.2022 - Current

SVP & Head of Strategy and Business Implementation

PT. Bank HSBC Indonesia
04.2012 - 06.2022

Head of Consumer Banking Service and Operations

HSBC Indonesia
04.2011 - 10.2012

SVP PFS Branch Sales and Distribution Jakarta

HSBC Indonesia
06.2009 - 04.2011

SVP – HR Relationship – HR Business Partner

HSBC Indonesia
12.2007 - 06.2009

SVP – HR Relationship – HR Policy

HSBC Indonesia
01.2007 - 11.2007

SVP Branch Sales and Distribution Jakarta

HSBC Indonesia
09.2005 - 12.2006

VP Card Services

HSBC Indonesia
09.2004 - 09.2005

VP Consumer Banking Jakarta Region

HSBC Indonesia
01.2002 - 09.2004

VP Delivery and Distribution

HSBC Indonesia
03.1999 - 12.2001

Manager Delivery and Distribution

HSBC Indonesia
01.1998 - 02.1999

Manager Securities Operation

HSBC Indonesia
03.1996 - 01.1998

Trade Executive

HSBC Indonesia
10.1994 - 03.1996

Core Banking Conversion Project Manager

HSBC Indonesia
03.1992 - 10.1994

Securities Settlement Officer

HSBC Indonesia
06.1991 - 02.1992

Officer in Charge Customer Service

HSBC Indonesia
10.1990 - 06.1991

Bachelor of Science - Business Administration

California State University
06.1990 - 06.1990

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Caramia WhardanaSenior Banker