Alfons Kurnia is a seasoned professional with extensive experience in the banking and finance sector. Currently serving as the SVP, Digital Lending Product Lead at PT Bank Tabungan Pensiunan Nasional Tbk since June 2018, Alfons has previously held key positions including Credit Cards and Personal Loan Marketing Division Head at Bank Mega, and various roles at Citi, where responsibilities included Customer Engagement and Product Management for cards. Alfons also has analytical experience as a Credit Analyst at Rabobank, where small and medium enterprise loan applications were assessed. An Accounting Manager at Shelter Network and a Teaching Assistant at The University of Arizona, Alfons holds an MA in Economics from San Jose State University and a cum laude BSBA in Accounting, Finance, and MIS from the University of Arizona.