Dwi Santi

Sempati Air  
1991 – 1998

- Ticketing Staff 
  1991 – 1993  
  Responsible for ticket sales at the counter and ensuring daily sales reports were accurate and valid.

- Ticketing Town Manager – Mayjend Sungkono Office, Surabaya 
  1993 – 1994  
  Managed the ticketing office in West Surabaya, overseeing sales strategies, customer service, and the development of promotional membership programs.

- Branch Manager – Sempati Air, Malang Office 
  1994 – 1998  
  Oversaw all branch operations including sales, customer service, promotional programs, and maintaining strong relationships with local government authorities.

-TNT International Express  
1998 – 2005

- Territory Manager – Surabaya 
  1998 – 2000  
  Responsible for achieving sales targets in the Surabaya area. Maintained strong relationships with key clients contributing significantly to revenue, particularly in the footwear, timber, textile, and banking industries.

- Branch Manager 
  2000 – 2005  
  Oversaw branch operations including sales, customer service, finance, and logistics to ensure alignment with company SOPs. Ensured profitability met budget expectations and built strong relationships with key clients across various industries.

Bank ANZ Indonesia  
2005 – 2016

- Credit Card Area Head – East Java & Bali 
  2005 – 2007  
  - Drove revenue growth through credit card acquisition.  
  - Managed collections and non-performing loans in line with budget targets.  
  - Led the successful launch of a new product, Visa Kartu Cicilan, in East Java and Bali.  
  - Built strong partnerships with lifestyle brands to enhance cardholder benefits.  
  - Oversaw office operations, focusing on cost control and employee engagement. - Area Head – Unsecured Loans, Eastern Indonesia 
  2007 – 2012  
  - Maintained strong credit card performance in East Java and Bali.  
  - Opened and managed new sales centers in Sulawesi, ensuring full SOP compliance.  
  - Achieved zero audit findings from both internal audits and regulatory inspections (OJK). 

Head of Business Development – Cards & Unsecured Loans, Bank DBS Eastern Indonesia  
2016 – Present

- Spearheaded the growth of new-to-bank credit card and unsecured loan portfolios across Eastern Indonesia, including East Java, Bali, and Kalimantan. 

- Successfully built and led a high-performing sales force of over 300 people. 

- Opened and developed new market areas, driving regional expansion and customer acquisition. 

- Ensured full compliance with internal bank policies and regulatory standards set by OJK (Financial Services Authority of Indonesia). 

- Fostered strategic partnerships between lifestyle brands and credit card products to enhance customer engagement and product appeal. 

- Consistently exceeded performance targets, achieving over 120% of both credit card and loan sales targets versus budget.

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 Education

- Bachelor’s Degree – Airlangga University, Surabaya ( 1987 - 1991)

-SMAN 1 Malang  ( 1984 - 1997)

-SMPN 3 Malang ( 1981 - 1994 )

-SDN Mardiwiyata Makang ( 1976 - 1981 )