Ayu Aryawati

Ayu Aryawati has extensive experience in risk management and credit analysis, having worked in various roles at PT Sarana Multi Infrastruktur (Persero) and PT. BANK NEGARA INDONESIA (Persero) Tbk. Ayu's expertise includes developing risk measurement tools, implementing IFRS 9, and managing portfolio analysis. Aryawati also has experience in corporate credit rating analysis and has a Bachelor's degree in Mathematics and Computer Science from the University of Padjadjaran.