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Elga Pratama is a Credit Risk Analyst at KoinWorks since April 2022, where responsibilities include reviewing credit applications, performing credit checks, and analyzing new credit requests to recommend risk rating changes. Previously, Elga served as a Credit Reviewer at Bank Universal BPR from May 2019 to April 2022, focusing on analyzing credit proposals through financing ratios and cash flow projections, while collaborating with the marketing team and relevant divisions on credit applications. Elga holds a Bachelor's degree in Biology from the University of Indonesia, obtained in 2018.