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Muhamad Resa Ali has over 16 years of experience in the finance industry, currently serving as Operations Div Head and Continuous Improvement & Business Process Div Head at PT Clipan Finance Indonesia, Tbk since December 2013. In these roles, responsibilities include improving business processes, updating standard operating procedures, and developing strategies for competitive advantage. Formerly, Muhamad held various positions at PT Mandiri Tunas Finance from July 2009 to December 2013, including Area Credit Dept. Head and Credit Assurance Dept. Head, overseeing 13 branches and ensuring compliance with company policies. Prior experience includes roles at PT Tunas Financindo Sarana, PT Oto Multiartha, and a degree in Accounting from Bandung Islamic University, earned between 1999 and 2006.