Bayu Iswara is an experienced banking professional currently serving as Head of Retail Banking Service at OCBC Indonesia since November 2014, having previously held various leadership roles within the company, including Head of Region Service and Head of Customer Care & Contact Center Service Quality. Prior to OCBC, Bayu held senior positions at PT Bank Tabungan Pensiunan Nasional Tbk from May 2008 to October 2014, focusing on operations development and process improvement. Earlier career experience includes a role as Senior Manager at Bank Danamon Indonesia from July 2002 to April 2008, where responsibilities encompassed product management, project management, and marketing communications. Bayu Iswara holds educational qualifications from Universitas Gadjah Mada and SMA Negeri 1 Yogyakarta.