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Ary M. is an experienced risk management professional with a comprehensive background in overseeing credit risk, portfolio performance, and policy development across various financial institutions. Currently serving as the Head of Risk Management at Kredit Pintar, Ary M. focuses on producing, reviewing, and optimizing policies based on credit performance analysis and strategic risk return optimization. Previous roles include managing credit risk frameworks at Fazz Business, delivering risk reports at Alami, and leading risk management information systems at Investree. Ary M.'s career also includes significant contributions to performance management at Standard Chartered Bank and UOB, alongside a strong foundation in process support and retail portfolio management. Ary M. holds a degree in Economics - Management from Diponegoro University.