1. Yosriizall Zaiinii
email@address : yosrizal.zaini@yahoo.com
Hand Phone No : 62811975394
Your personal statement is perhaps the single most important part of you CV. Get it wrong
and your chances of being invited to interview are drastically reduced.
Its aim is to highlight your professional attributes and goals, emphasising why they should
continue reading the rest of your CV.
Business Director | VOX Micro Indonesia – M-stars group| http://m-stars.net/
Jakarta, Indonesia | 01 March 2013 - Now
Managing Business and Branch Distribution to achieve Networking and Sales.
Key Achievements:
 Setting up Payment Point Online Banking (Bilyet VOX) as part of Implement Branchless
Banking Implementation Plan. Implementing
 Create New Distribution Network Model of Business in which becoming potential for
companiesin distributing their products through Micro Entrepreneur nationwide.
 Creating a business and financial model: (i) micro lending model,(ii) payment point online
banking (PPOB) - Electronic Mobile Data Capture ( EDC - M) model
 Opening 2 (two) Distribution
Group Head of Micro & SME Banking | Bank Victoria Syariah| bankvictoriasyariah.co.id
Jakarta, Indonesia| August 22, 2011 – February 26, 2013
Responsible for Branch Roll Out, Recruitment, Sales Target, Risk Management (Collection &
Reviewer), and Profit in Micro & SME Banking Segment
Key Achievements:
 Open 11 new branches around Indonesia
 Managed & Responsible Performance 18 Branches Micro & SME Banking in 5 provinces
aroung Indonesia
 Managed & Responsible Performance 9 Area Managers, 18 Team Leaders around
Indonesia
 Managed Credit Reviewer Team, and Bussiness Support in Head Office
 End of Feb 2013 the total Outstanding Credit (Financing) was Rp 129 Billion or
equivalent USD 13.299 million
 Performance of Credit end of Feb 2013, NPL Gross was 1,72%, and Repayment
Rate was 95%
 National Break Event Point (BEP) was achieve on July 2012, and National
Payback Periode was achieve on Dec 2012.
Group Head of Micro & SME Banking, EVP| Bank Mega Syariah (CT Corporation)|
www.megasyariah.co.id/
Jakarta, Indonesia| May 01, 2008 – August 18, 2011
Responsible for Branch Distribution/ Expantion, Recruitment, Sales Target, Risk Management
(Collection & Reviewer), and to Achieve of Profit in Micro & SME Banking Segment

2. Key Achievements:
 Open 324 new branches/ sub branches in 23 Province around Indonesia
 Managed & Responsible of Performance Sales Team : 6 Regional Sales Head, 52 District
Managers, 324 Unit Managers around Indonesia: 6 Reg Collection Mgrs, and 52 Collection
Spvs around Indonesia
 Manage & Responsible of Performance Collection Team, such as Non Performing Loan
(NPL) and Repayment Rate (RR)
 Managed & Responsible of Credit Reviewer Team, & Bussiness Development in Head
Office
 End of July 2011 the total Outstanding Credit (Financing) was Rp 2,54 Trillion or
equivalent USD 267,36 million (per USD was Rp 9,500)
 Generatee Net Profit Before Tax Rp 120 billion or equivalent USD 12.632
million (Dec 2010)
 Performance of credit end of July 2011: NPL Gross was 3,26%, and Repayment
Rate was 89%
 National Break Event Point (BEP) was achieve 12-13 Months and National
Payback was achieved on 17-19 months.
Branch Distribution Head, VP | Consumer Banking, Citibank, NA Indonesia
www.citibank.co.id/
Jakarta, Indonesia|Nov 9, 2007 – April 30 2008
 Responsible for Branch Distribution/ Expantion, Recruitment, and National Sales
Target.
 Directly report to Director of Citifinancial, and indirectly report to Country Director of
Citibank Consumer Banking, Indonesia
Key Achievements:
 Manage existing 43 Branches around Indonesia, and responsible for sustainable sales
growth,
 Responsible for Rp 1,9 Trilion Credit Outstanding for 43 branches around Indonesia
 To develop 20 new regular branches and 28 Mini Loan Centres (MLCs) around Indonesia.
 Introduce new branch business model, for financing self employee mass market (Micro &
SME entrepreneurs)
 To Develop 2 (two) new Self Employee Mass Market in Jakarta Area
Cluster (Area) Manager, Branch Manager, and Senior Credit Officer, AVP | Bank
Danamon Indonesia
www.danamon.co.id/
Jakarta, Indonesia| Nov 9, 2007 – April 30 2008
Key Achievements:
1. June 2004 to Nov 2007, as Cluster Mgr/Area Mgr of Self Emplyee Mass Market
(SEMM) or Danamon Simpan Pinjam (DSP)
 To find out 30 new location for DSP Branches around Jakarta, Depok & Bekasi (West
Java), and West Sumatera
 Making Feasibility Study for 21 New Branch Office of DSP, and propose proposal to bank
Indonesia for new branch license
 Manage and Lead 21 Unit Managers (UMs) in order to (i) develop and execute strategies
to acquire new customers, (ii) explore business opportunities in order increase their credit
portfolio, and (iii) maintain (collection) existing customers.
 To recruit:21 Unit Managers, 23 Credit Officers (CO), 69 Account Officers (AO), 21
Operation Officers (OO) and 42 Tellers.

3.  Responsible for Each Branch (unit) Performance such as Sustainable Sales Growth, Net
Profit Before Tax, Non Perfoming Loan (NPL), Repayment Rate (RR)
 Sept 2007, Manage Rp 350 Billion (eq USD 36,8 million (Per USD was Rp 9,500), and It
has Rp 4,5 Billion Net Profit Before Tax, NPL was 2,95, and repayment rate was 92%
 As Trainer Instructure in Bank Danamon Indonesia (BDI), in BDI Universitry in Ciawi,
Bogor, Indonesia.
2. October 2003-June 2004, Senior Credit Officer or SCO (Manager) Sumatera Region
for Small, Medium Entreprise (SME), and Commercial Business Segment
 To review, to give recomendation, and also to make decision for credit proposal from
Regional Sumatera Branches in SME Segment (Max Rp 5 Billion), Commercial Segment
(Max Rp 50 Billion), and Consumer Segment (Mortgage Loan, & Car Loan), and also
linkage program for Koperasi and Micro Financial Institutions (such as BPR).
 There was Rp 4,4 Trilion (USD 4,63 Billion) Outstanding Credit for SME, Consumer, and
Commercial segment Sumatera Region
 SME, & Commercial entrepreneurs segment that was financed such as Whole Sales of
Consumer Product, Showroom of Auto Mobile/Car, Three / Four Stars Hotel, Developper
Company, Manufacturing/Industry, Agribusiness (Plam Oil Plantation, and Pal Oil Industry),
 Business Manager Bank Danamon Indonesia Achmad Yani Medan Branch Office,
Managed Rp 120 Billion (USD 12,63 Million) Oustanding Credit for SME Entrepreneurs,
and for Micro Institutional (Koperasi, and BPR)
Senior Account Officer, Ass Manager | Bank Permata (former Bank Universal)
https://www.permatabank.com/
Jakarta, Indonesia| June 1995, – Dec 1999
 Find out the new customers in SME & Commercial Agribusiness that feasible for banking
financing, such as Palm Oil Plantation, Pabrik Kelapa Sawit, Budidaya Udang, Peternakan
Ayam, dan Peternakan Sapi Perah, Mettal Industry
 Making Proposal and Present to Credit Comitte
 . Propose the Proposal to Bank Indonesia to Get Credit Liquidity (Kredit Likuiditas Bank
Indonesia or KLBI) of Bank Indonesia
Key Achievements:
Managed and maintenanced Outstanding Credit Rp 250 Billion (eq USD 100 million, per
USD was Rp 2,500).
Micro and SME Expert | Bank Indonesia (Bank Central of Indonesia)
www.bi.go.id/
Jakarta, Indonesia| March 1993-Mei 1999, and April 2001-October 2003
there are three kinds of my tasks and duties:
 The first is developing the performance of small/micro, medium enterprise (SME)
and Micro financial institutions;
 The second is conducting research to elaborate potential small and medium
businesses,
 The third is giving information that needed by banking, and the fourth is giving
technical assistance to the banking
Key Achievements:
 At least making one feasibilty study (runway cases) project in each month
 Conduct at least one time training for BPR board of director & Senior Management
 Conduct at least one time training for BPR Account Officer
 Conduct at least one research for each six months or twice in a year

4. KEY SKIILLLLS
Technical Skills
 Making Business & Financial Model for Micro, SME, and Consmumer also Commercial
Banking Segment
 Making Training Material aspecially in marketing, risk management (credit, and collection)
 Manage large Team Sales and Collection
 Making Article in News Paper
Personal Skills
 Training Instructure in Sales, Risk Management (credit & Collection)
 Good Comunication Skill in English and Bahasa Indonesia
EDUCATTIION
1. S1 degree in Economic Faculty, Majoring Financial Management, University of Indonesia,
Salemba, Jakarta (2001).
2. Professional Development Program (Pendidikan Lanjutan Kader Perbankan) in Institute
Bankir Indonesia (IBI)/Lembaga Pengembangan Perbankan Indonesia (LIPPI), Kemang,
South Jakarta. One and half years banker special program (1992).
3. S1 degree in Agriculture, Majoring in Budidaya Pertanian, University of Lampung, Bandar
Lampung, Province of Lampung (1988).
REFFERENCES
References are available on request.