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Mariska F. is a Commercial Credit Analyst at PT Bank Multiarta Sentosa Tbk (Bank MAS) since November 2024, previously serving as a Credit Analyst at KoinWorks from January 2022 to November 2024, where responsibilities included reviewing credit applications and monitoring loans for financial distress. Prior experience includes a role as a Relationship Officer at Maybank from March 2018 to May 2021, focused on the small-medium enterprise segment, as well as participation in the Management Development Program for fresh graduates. Mariska's early career also includes an internship at Pusat Riset Perkotaan dan Wilayah - Universitas Indonesia, where assistance was provided in research activities and data collection. Mariska holds a degree in Industrial Economics from the University of Indonesia, completed in 2017.