Ramon Armando currently serves as the Head of Marketing Communication Division and Head of Digital Channel Division at PT. Bank Tabungan Negara (Persero) Tbk since May 2020. Prior experience includes roles at PT Bank Mandiri (Persero) Tbk, where Ramon held positions as VP Retail Marketing Communication, VP Corporate Communications, and AVP Regional Card Manager from June 2008 to April 2020. Earlier in career, Ramon was Product Manager for Credit Cards at Bank Mandiri from October 2003 to June 2008. Ramon Armando holds a Master of Commerce degree in Banking from the University of Sydney, completed in 2008.