Saptono A. Irawan
Career & Educational Background
Appointed as Business Banking Senior Executive Vice President at PT Bank JTrust Indonesia Tbk
in July 2021. He has gained experience and career in national and international financial
institutions namely in 2017 - 2021 as Assistant Director of Corporate Banking at
PT Bank Shinhan Indonesia, in 2010-2017 at Corporate Banking PT Bank Maybank Indonesia Tbk
and previously in 2006 - 2010 at PT Bank Rabobank Indonesia, Global Banking and M &A.
In addition, in 2001 – 2006 he pursued his career at banking investment PT Danareksa
Sekuritas and in 1993 – 2000 at the Asian Development Bank in Manila, Philippines.
He completed his MBA program at Manuel Luis Quezon University in Manila, Philippines.
Raja Pardede
Career & Educational Background
Appointed as Senior Executive Vice President - Credit Risk Reviewer & Asset Recovery
Management at PT Bank JTrust Indonesia Tbk in August 2026. Prior to joining the Bank, he
served as Executive Vice President – Head of Wholesale Credit Business at PT Allo Bank Tbk
(2022 – April 2026). Previously, he held several senior leadership positions at PT Bank Mega Tbk, including
Senior Vice President, Head of Credit Review and Restructuring (2011 – 2021), Senior Vice
President, Head of Appraisal (2008 – 2010), and Senior Vice President, Head of Main Branch
(2002 – 2008). Earlier in his career, he was Vice President, Head of Investment Banking at PT
Bank Papan Sejahtera Tbk (1998 – 1999) and Assistant Vice President, Department Head of
Marketing at PT Bank Internasional Indonesia Tbk (1992 – 1998). He earned a Master of Business
Administration (MBA) from the Asian Institute of Management (AIM), Philippines, in 2008, and
an Engineer Degree (Ir.) from Bogor Agricultural University (IPB), Indonesia, in 1981.
Ong Pey Fang
Career & Educational Background
Joined in 2019 and currently serves as the Executive Vice President Credit Portfolio Monitoring
PT Bank JTrust Indonesia Tbk. She previously held the position of Compliance
Head (Executive Vice President) at PT Commonwealth Bank Indonesia from 2017 to 2018 and Compliance Head (EVP)
at PT Danamon Indonesia, Tbk from 2009 to 2017. She also built her career as Business Support Head (Vice President)
at ABN Amro NV Indonesia from 2006 to 2009.
She earned a **Bachelor of Business in Accountancy (with distinction)** from the Royal Melbourne Institute
of Technology, Melbourne, Australia, in 1988.
Novy Angela Andow
Career & Educational Background
Appointed as Treasury & Financial Institution Executive Vice President of PT Bank JTrust Indonesia Tbk since 2019. Previously,
she worked in PT Bank QNB Indonesia as Treasury Sales Head in 2014-2015 with latest
position as Head of Treasury of PT Bank QNB Indonesia in 2015-2018. She once worked
in the Royal Bank of Scotland as Corporate Risk Solution Director in the 2009-2013 period.
She received Bachelor of Economics degree in Management from Atmajaya University in 1994.
Agung Subagiyo
Career & Educational Background
Appointed as Credit Restructuring & Collection Executive Vice President of PT Bank JTrust Indonesia Tbk since 2019.
Previously, he was the Special Asset Management Division Head and Corporate Secretary Division
Head of PT Bank JTrust Indonesia Tbk. since 2018. He had a career in PT Bank Nusantara Parahyangan
Tbk from 1999 to 2017, with last position as Deputy Director. He obtained Bachelor of Economics
from STIE Indonesia Membangun in 2007 and Bachelor of Laws from STIH Dharma Andigha Bogor in 2018.
Then, he received Master of Human Resources Management from Bina Sarana Informasi University,
Bandung, in 2011.
Nobuyuki Wake
Career & Educational Background
Appointed as Executive Vice President Credit Risk Reviewer of PT Bank JTrust Indonesia Tbk from September, 2022.
Has 26 years of experience in the finance and financing industry, especially in credit evaluations
and managing non-performing loans. From March 2019 until August 2021he was appointed as President
Director of JT Capital Co., Ltd., in South Korea and he had 7 years of career from 2014 to 2021
at JT Chinae Savings Bank, Ltd., South Korea with various placements. Beforehand, he had 8 years
of career in Japan with various companies. He earned his Bachelor of Economy from Ritsumeikan
University, Kusatsu, Shiga, Japan in 1996.
Lukas Djoesianto
Career & Educational Background
He was appointed as an Executive Vice President Distribution, Funding, & Product Management of Retail Banking at PT Bank JTrust Indonesia Tbk in March 2025.
He has extensive experience in national financial industry, having worked at PT Bank Danamon Indonesia Tbk
for 14 years (2011 - 2025), where he served as the Regional Head for Jakarta 3, covering Central Jakarta,
East Jakarta, Bekasi, and Karawang. Prior to that, from 2004 to 2011, he worked at Citibank NA, where he held
the position of Senior Vice President and Product Head for the Emerging Affluent Credit Card segment. He also
held various roles at PT Lippo Bank from 1993 to 2004.
He completed his Bachelor's degree in Accounting Economics at Atmajaya University Yogyakarta in 1982.
Hari Satriyono
Career & Educational Background
Hari Satriyono was appointed Executive Vice President – Information & Operations of PT Bank
JTrust Indonesia Tbk in October 2026 and has more than 25 years of experience in the banking
industry. Previous appointments include Commissioner of BNI Finance (2022–30 June 2026), Senior
Operational Risk Executive – Retail & Consumer Banking at PT Bank Negara Indonesia (2025–31
August 2026), Division Head – Retail Collection & Recovery (2023–2025), and Division Head –
Consumer Loan Processing (Consumer Risk) & Collection (2020–2023). He also led the strategic
migration of BNI branches to BNI Syariah in Aceh (2018–2019).
His professional experience includes more than 12 years in BNI's IT Division (2004–2016), progressing from Manager to Assistant Vice President. He holds a Certified Enterprise Architecture Practitioner credential from the National University of Singapore, as well as a Master of Management in Finance and a Bachelor of Civil Engineering from Universitas Gadjah Mada.
His professional experience includes more than 12 years in BNI's IT Division (2004–2016), progressing from Manager to Assistant Vice President. He holds a Certified Enterprise Architecture Practitioner credential from the National University of Singapore, as well as a Master of Management in Finance and a Bachelor of Civil Engineering from Universitas Gadjah Mada.
Maiza D. Yanti
Career & Educational Background
Maiza D. Yanti joined J Trust Bank Indonesia in October 2026 as Executive Vice President,
Human Capital, where she leads the Bank's Human Capital function. She brings more than 20
years of Human Capital experience across banking, financial services, telecommunications,
insurance, and professional consulting.
Prior to joining J Trust Bank, Maiza spent nine years with PT Bank Danamon Indonesia Tbk, most recently as Senior Vice President, leading Talent Management & Succession, Organizational Development, and HC Digital. During her tenure at Bank Danamon, she also undertook an international assignment with MUFG Bank in Tokyo, Japan, serving as a Global HR Business Partner.
Previously, she spent six years with PT Bank CIMB Niaga Tbk as Vice President, HR Business Partner, supporting key business and control functions including Corporate Banking, Commercial Banking, Treasury, Credit, and Risk.
Earlier in her career, she served as Head of Human Capital at PT Sun Life Financial Indonesia Tbk leading Human Capital function and as an HR Business Partner at XL Axiata.
Maiza began her professional career with PricewaterhouseCoopers (PwC), where she gained consulting experience locally as well as Regional exposure through assignments in Singapore and Malaysia.
Maiza holds a Bachelor degree from University of Indonesia majoring Psychology.
Prior to joining J Trust Bank, Maiza spent nine years with PT Bank Danamon Indonesia Tbk, most recently as Senior Vice President, leading Talent Management & Succession, Organizational Development, and HC Digital. During her tenure at Bank Danamon, she also undertook an international assignment with MUFG Bank in Tokyo, Japan, serving as a Global HR Business Partner.
Previously, she spent six years with PT Bank CIMB Niaga Tbk as Vice President, HR Business Partner, supporting key business and control functions including Corporate Banking, Commercial Banking, Treasury, Credit, and Risk.
Earlier in her career, she served as Head of Human Capital at PT Sun Life Financial Indonesia Tbk leading Human Capital function and as an HR Business Partner at XL Axiata.
Maiza began her professional career with PricewaterhouseCoopers (PwC), where she gained consulting experience locally as well as Regional exposure through assignments in Singapore and Malaysia.
Maiza holds a Bachelor degree from University of Indonesia majoring Psychology.