This document provides a summary of Muchamad Bachtiar's work experience and qualifications. He has over 15 years of experience in the banking industry, holding various roles in sales management, business development, credit operations, and branch management at banks such as Bank Mega Syariah Indonesia, CIMB Niaga, Bank Chinatrust Indonesia, HSBC Indonesia, and Citibank Indonesia. His responsibilities included managing sales teams, developing new business, ensuring quality assurance, and achieving performance targets. He has specialized training in syariah banking, credit, service quality, and sales management.

1. WORKING EXPERIENCE
1. PT Bank Mega Syariah Indonesia (May 2014 – Present)
A. Branch Manager KCU Bogor (Mar 2016 – Present)
Items Jan 16 Feb 16 Mar 16 Apr 16 May 16 Jun 16
DPK 14,149 14,371 15,987 16,974 18,654 19,378
CASA 10,753 10,918 12,445 12,312 10,819 11,554
Financing 9,596 19,152 18,084 17,288 16,700 15,433
PBT (YTD) 72 86 189 244 266 462
Realisasi MOU dengan Sekolah Al Azhar BSD. Pembayaran host to host akan dimulai
Awal Agustus 2016, surat penunjukkan Bank Mega Syariah Cab Bogor dilakukan Mei
2016. Potensi dana hingga 40 M.
B. Hajj & Umrah Retail Funding Head (Jul 2015 – Dec 2015), Responsibility :
 Increasing portfolio of Hajj Saving from 103 bio to 112 bio by the end of Dec 2015
 Increasing New Acquisition Hajj Saving account from average 419 per month to
1038 per month (Oct 2015).
 Increasing number of MOU with KBIH and referral institution from 125 to 192
(Oct 2015).
C. Sales Management & Telesales Head Bank Mega Syariah (May 2014 – Jun 2015),
responsibility
 Funding Performance Monitoring including Cost of Fund (CoF), Low Cost Fund
Growth (CASA) composition, Branch Performance, Financing to Deposit Ratio
(FDR).
 Set up activity and reward program deepening and cross sell customer in
cooperation with product liabilities product Dept.
 Set up new parameter & its monitoring performance (KPI) for all funding team
from Funding Officer, Sales Supervisor, Sales manager, Sub Branch manager,
Branch Manager, Area manager and Region Head.
 Set up team Direct Sales & Telesales Bank Mega Syariah and manage portofolio
Funding Retail Account.
 Direct Sales become best alternative sales channel because it is:
a. Produce lower cost than existing sales channel (funding officer). It will decrease
cost new acquisition account (CPA/cost per account) from IDR 350.000 into
only IDR 56.000 and (CPV/cost per volume) from 13.88% to 4.05%.
b. Best natural selection of recruiting sales since they performance are proven.
 Manage team Telesales Funding Performance. Telesales Channel is best way to
generate income by cross selling the product and also maintaining relationship with
existing customer
Achievement :
CURICULUM VITAE
MUCHAMAD BACHTIAR
Kompleks IPB II Jl Merkurius Blok C no 5
Ciherang Dramaga Bogor Jawa Barat 16000
Email : muchamadbachtiar@yahoo.com
Contact No : +62811232375 / +6281905057360

2. a. Within 3 month, telesales had established. First 3 months telesales performance has
improve in maintaining outstanding funding portfolio from 18% negative growth into
2% positive growth.
b. Within 3 months telesales performance has reach 219% growth for customer top up
program with “agree rate” 20%
c. Cost of Fund has decrease from 8.35% in Dec 2014 to 7.73% by March 2015 d.
d. CASA Composition to from 12.77% in Dec 2015 to 17.38% by March 2015
2. PT Bank Cimb Niaga Tbk (Nov 2011 – May 2014)
A. Division Head Direct Sales Funding area 2 CIMB Niaga (Jakarta, West Java, East part
of Indonesia & Kalimantan) (Feb 2013 – May 2014), responsibility :
 Managing 2 Sales Manager, 5 Sales Coordinator, 10 Supervisor and almost 200
Assistant Sales Funding Officer
 Cooperate with Corporate and Commercial Directorate, Small Medium Enterprise
(SME) Directorate, Micro Lending Department, Retail and Consumer Directorate of
CIMB Niaga as source of referral to offer “Company Benefit Program” such as
Payroll, Car Ownership program and Housing ownership program.
 Cooperate with Cash Management System team to deliver excellent service to
client/company
 Cooperate with product development team to deliver “general and customize”
Liabilities product of CIMB Niaga.
B. Sales Manager DSR Funding area 1 CIMB Niaga (Central Java, Sumatra dan West
Jakarta) (Nov 2011 – Jan 2013)
Achievement :
a. Being promoted from Sales Manager become Division head within 1 year Key
Performance Indicator (KPI).
b. Achieving new booking account funding record for Cross Sell Sub Directorate with
26000 acct as Sales Manager
3. Bank Chinatrust Indonesia (Jul 2010 – Oct 2011)
a. Retail Sales Manager Kelapa Gading Branch (Jul 2010 – Oct 2011), responsibility :
 Manage Sales and Credit Portfolio of unsecured loan in Kelapa Gading Branch.
 Direct Supervisor : VP Consumer Lending Group
 Sub Ordinate : 6 Acquisition Supervisor and 120 Lending Consultant.
Achievement :
a. Best sales Manager volume booking personal loan Bank Chinatrust Indonesia 2011.
b. Best Sales manager highest Approval rate 2011
c. Boosting volume booking up to 500% and productivity 192% with only 117%
additional staff.
4. HSBC Indonesia (Jul 2007 – Jun 2010)
A. AM Credit Operation (Dec 2008 – Jun 2010), Responsibility :
 Cost Control Manager within Credit Operation department.
 Managing Quality Assurance of credit operation : Document verification, Telephone
Verification, Physical Verification, and Bureau Verification to deliver excellent service
level and
 Managing customer complaint through Complaint Management System
 Managing credit filing and courier management within credit operation departement.

3.  Managing vendor (Handling invoice and billing from agency manpower outsourcing
and business process outsourcing within credit operation departement).
Direct Supervisor : VP HSBC Credit Operation
Sub Ordinate : 3 Officer and 14 (temp staff)
B. Credit Officer of HSBC Loan Centre Mataram Semarang (July 2007 – Dec 2008),
Responsibility :
 Managing credit portfolio in business acceptance level
 Deliver excellent service level on credit process.
Direct Supervisor : Regional Credit Manager Semarang
Sub Ordinate : N/A
Achievement :
a. Test Score 98 (out of 100) for BSMR test level 1 (May 2009)
b. Being promoted from Officer to AM within 1,5 year performance (2 years KPI).
5. Citibank Indonesia (Jan 2005 – May 2007)
A. Direct Sales Team Manager of Citifinancial - Buah Batu Branch, Citifinancial -
CITIBANK Bandung (January 2005 – May 2007), Responsibility :
a. Achieve branch sales number as targeted
b. Make sure sales process are in line with bank policy
Direct Supervisor : Branch Manager
Sub Ordinate : 3 supervisors and 27 direct sales representative
Achievement :
a. Achieve best performance challenge awarded trip to Hongkong (Aug 2006)
b. Achieve best performance challenge awarded trip to Kuala Lumpur (Feb 2006)
c. Achieve best performance challenge awarded trip to Bali (Sept 2005)
6. PT Bank Niaga (Mar 2002 – Oct 2004)
A. Operation Officer Branch service Centre Lembong Bank Niaga Bandung (February
2004 – October 2004), Responsibility :
a. Manage daily Back office transaction with zero error rate and operational risk control
b.Deliver high excellent service level to customer (external and internal)
Direct Supervisor : Branch Service Centre Manager
Sub Ordinate : 2 supervisors, 4 Clerical and 7 CS.
B. Domestic and E-Banking Officer Bank Niaga Bandung (March 2003 - January 2004),
Responsibility :
a. Cooperate with business (commercial dept.) to present CMS (cash Management
Service) with good service level
b. Manage daily incoming and outgoing domestic transfer trasaction with all updated
BI regulation
Direct Supervisor : Domestic and E-Banking Manager
Sub Ordinate : 1 supervisors, 5 back office clerical staff.
Achievement :
a. Chosen as E-Banking instructor for West Java Network and Services Bank Niaga
(2004)

4. b. Chosen as Service Quality Certification team represent Bandung regional Bank Niaga
(2004)
SPECIAL TRAINING
 Syariah Banking introduction and Ethics (Oct 2014)
 Advance Service Quality Training ( Aug 2010)
 BSMR level 1 and 2 (May 09& Mar 14)
 Who Am I Training (Apr 2008)
 Credit Training (July 2007)
 Service Quality program Wins Customer’s Heart (Jul 2006)
 Ambassador to the world from Citibank (Apr 2005)
 Executive Development Program (PPE) Niaga Bank (Mar 2002 – Feb 2003)
 SQ Team Program for EDP by Service Quality Centre Singapore Airlines
 Niaga Basic Supervisory Development (January 2003)
 7 Habits of Highly Effective People (January 2003)
 Niaga Operation Productivity and Service Improvement (Feb 2004)
 Know Your Customer (January 2004)
SPECIAL SKILLS
 Experience in sales and credit process and activity for unsecured loan banking product
 Experience managing up to 120 sales team.
 Having knowledge in banking system and operational such as, operation administration,
Export Import, Banking Quality Control and assurance and also Syariah Banking
 Proficiency in both written and spoken English
 Able to Operate MS Office and internet
EDUCATIONAL BACKGROUND
1997 – 2001 : Bogor Agriculture Institute (IPB), Bogor
Graduation : October 3, 2001
Major : Agriculture Industrial Technology
GPA : 3,27 (scale of 4)
Thesis : Techno-Economy analysis developing mini scale manufacture
natural rubber Foam industry
PERSONAL
Date of birth : February 3, 1979 Religion : Moslem
Height/Weight : 177 cm/80 kg Nationality : Indonesian
Sex : Male Health : Excellent
Reference will be provided if required