Hendrayani

Led enterprise IT and digital banking initiatives across mobile onboarding, field debt collection, credit origination, insurance integration, regulatory reporting, OCR-enabled auction processing, AI call automation, collection prioritization, and branch digitalization. Managed delivery of the Relationship Management Tools mobile platform over 18 months with a 25-member cross-functional team, supporting Credit Card, KSM, Mortgage, and KUR products. Delivered a mobile collection channel that generated a 100% increase in transaction volume after launch, improved compliance and audit reporting, integrated digital life insurance consent into the Micro Loan Origination System, and implemented technology enhancements that improved operational efficiency and recovery processes.