M. Ilham currently serves as the CFS Embedded Risk Unit (ERU) Non Retail Head for SME & Commercial at Maybank since June 2022. Prior experience includes roles at PT Bank Neo Commerce Tbk as Credit Portfolio Monitoring Lead, where responsibilities encompassed credit portfolio management for digital channeling, and Acting Operation - Channeling Business Unit Head, managing various operational aspects of the channeling business. Previously, M. Ilham held positions at PT Bank BTPN Tbk focusing on digital banking lending acquisition policy, United Overseas Bank Limited in credit covenant monitoring, Rabobank Indonesia as an MIS & Analytics Specialist, and Bank Mega as a Post Disbursement Monitoring & Reporting Officer. M. Ilham holds a Bachelor's degree in Civil Engineering from IPB University, completed in 2013.
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