• Manage a portfolio of 3,700 retired clients from TASPEN, ASABRI, and BUMN, providing tailored financial solutions and maintaining strong customer relationships. • Achieved total pension loan disbursement exceeding IDR 1 billion, with consistent portfolio quality and minimal NPL risk. • Collaborated across departments to ensure smooth loan processing and supported branch promotions through digital and community-based marketing. • Utilized CRM data to identify client needs and executed targeted cross-selling strategies, increasing product uptake by 10-15%