Zulfikar Arsa

Zulfikar Arsa currently serves as the Senior Manager of Digital Lending at PT. Pegadaian since February 2024. Prior to this role, Zulfikar held several positions at ALAMI, including Head of Ecosystem Financing, Ecosystem Financing Team Lead, and Senior Relationship Manager from December 2021 to February 2024. Zulfikar's earlier experience includes working as a Corporate Banking Analyst at PT Bank Syariah Indonesia Tbk. from February 2021 to December 2021, and various roles at PT. Bank BNI Syariah, such as Commercial Credit Analyst, Credit Analyst, Account Officer, and participation in the Officer Development Program from January 2017 to December 2021. Zulfikar also has entrepreneurial experience as a Business Owner at Indohorti Jaya and worked as a Field Manager at Koperasi Pemasaran Alumni IPB and a Strategic Partner at BDB Farm between 2015 and 2016. Zulfikar holds a Bachelor of Science degree in Biology from Bogor Agriculture University.