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Ardhya Kunardi is an experienced professional currently serving as the Product and Marketing Business Intelligence Unit Head in the Consumer Lending Group at PT Bank CTBC Indonesia since February 2009, where involvement includes participation in the Digital Lending Mobile Apps and product features development. Prior to this role, Ardhya held the position of Financial and Business Planning Manager at Bank Danamon Indonesia from 2006 to 2009, focusing on credit card business financial forecasting and budgeting, as well as revenue performance analysis. Earlier experience includes serving as Sales/Marketing & Finance Assistant Manager at Le Charpentier in Seattle, USA, from 2003 to 2005, overseeing sales achievements and developing annual marketing programs. Ardhya holds an MBA in Financial Management from City University of Seattle and a Bachelor of Science in Business Administration with a focus on Marketing from Oklahoma State University. Additionally, Ardhya completed college transfer studies in Business Administration at Monterey Peninsula College.