I joined MUFG Bank in 2010 as a Credit Analyst and have spent the past 15+ years building my career within the Credit function at the Jakarta Branch. As Head of Credit Analysis Department 2, my day-to-day work centres on credit due diligence for Japanese corporates, supporting the financing needs of Japan-affiliated companies operating across Indonesia.
MUFG’s presence in Indonesia runs deep, and the Jakarta Branch plays a meaningful role in connecting Japanese corporate clients with opportunities in one of Southeast Asia’s most dynamic economies. No two days look quite the same. One day you are working through the financials of a manufacturing group, the next you are coming to grips with a sector you have never covered before. After 15 years, that variety still keeps me engaged.
What I find most rewarding about credit due diligence is that it requires you to ask a lot of questions. You cannot form a credible view on a borrower without first understanding how their business truly works. That means it involves talking with your clients, and reading a lot of reports, news and research. That process, repeated across hundreds of companies and industries over the years, has shaped how I think, not just professionally but more broadly.

I was born and raised in Jakarta, so my affection for this city runs pretty deep. It is loud, dense, and moves at its own pace, but once you find your rhythm within it, there is really nowhere quite like it. Growing up here gives you a certain appreciation for the city’s layers — the noise and the madness, but also the warmth of the people in it. The food alone is reason enough to stay. Jakarta is a city where you can eat extraordinarily well at every price point, from a plate of Nasi Goreng (fried rice) at a roadside warung (stall) to a carefully crafted dinner in one of the city’s many excellent restaurants. And the coffee scene has quietly grown into something world-class — a reflection of Indonesia’s identity as one of the great coffee-producing nations.

One thing I genuinely love about living in Indonesia is how accessible its natural beauty is. A two-hour flight from Jakarta and you find yourself somewhere that feels worlds apart — white sand beaches, dramatic clifftops, clear water, and open skies.

My weekends are pretty full, which is exactly how I like it.
My wife and I have a shared ritual of coffee hopping, exploring Jakarta’s ever-growing specialty scene, always with somewhere new on the list. But it does not stop at Jakarta. Whenever I travel to another city, finding the local roaster has become a personal tradition. On a recent trip to Palembang, I visited a modest looking coffee shop from the outside, but it turned out to have some of the best talent in the coffee scene: home of the Indonesia Barista Champion 2023 and a 2024/2025 runner-up in addition.

I also play padel regularly with friends. The sport has taken off in Jakarta in a big way, and there is nothing better to clear your head after a busy week by getting active while meeting with your friends.
And then there is my 4-year-old son. Getting him out and into activities on the weekend is something I genuinely enjoy. Those Saturday and Sunday moments with him tend to be the highlight of my week.
Fifteen years in and I still feel like I am just getting started.