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Welly Januardo has extensive experience in the banking sector, currently serving as a Credit System and Policy Specialist at PT Bank KEB Hana Indonesia since January 2018, where responsibilities include aligning credit portfolios with strategic objectives and supporting stakeholders in decision-making. Previously, Welly held positions such as Retail and Consumer Review Unit Head, focusing on managing secured loan approvals while maintaining low non-performing loan rates, and Commercial and Corporate Credit Reviewer, providing analysis and recommendations for loan proposals. Prior roles include Consumer Credit Approval Department Officer at PT Bank KEB Hana Indonesia and Commercial Business Relationship Manager at PT BANK ICBC INDONESIA. Welly's educational background includes a Double Degree MBA in Finance Management and Wealth Management from Universitas Gadjah Mada and a Sarjana Ekonomi in Entrepreneurship from Institut Bisnis Dan Informatika Indonesia.