Andhika Ratna Mutu Manikam

Andhika Ratna Mutu Manikam is an experienced legal professional currently serving as the Head of Legal Affairs at PT Bank Panin Tbk since July 2007. Responsibilities include managing legal documents, ensuring their completeness, reviewing credit application documents, providing legal opinions, overseeing legal administration, and leading a legal team. Andhika also assists junior associates with mortgage matters, conducting legal due diligence and regulatory research. Prior to this role, Andhika worked as a Legal Assistant at Melati Sinaga Notary Office from September 2006 to June 2007. Educational qualifications include a Master of Notary from Universitas Jayabaya and a Bachelor of Laws in Economic Law from Universitas Hasanuddin.