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Zico Hernawan currently serves as the Retail Product Head at PT. Bank KB Bukopin Tbk, a position held since July 2022. Prior to this role, Zico spent over twelve years at CIMB Niaga, where responsibilities included overseeing business strategy and support, managing the mortgage portfolio, and leading customer retention initiatives. Zico held various titles at CIMB Niaga, including Mortgage Customer Retention and Personal Credit Line Head, and Liability Product Specialist Manager. Zico's educational background includes a degree from Institut Pertanian Bogor (IPB), completed between 2001 and 2006.