Fetrizal Bobby Heryunda holds a Master’s degree in Management from Universitas Indonesia and has over 20 years of experience in both the financial and real sectors. Before joining the Company, he built his career across financial institutions such as Astra Credit Companies, Bank Permata, HSBC, and ANZ, and served as Sales & Marketing Director at PT Nissan Financial Services Indonesia. Since joining the Company in 2018, he has held several strategic positions, ranging from President Director of Multifinance, Investment Director, CFO of Urban Development, to Corporate Investment & Strategy Director, with a focus on investment, financing, and corporate strategy.