Umar Luthfi is a Division Head at PT Permodalan Nasional Madani (persero) with over 18 years of experience in financial institutions. They have held various managerial roles, including Branch Manager and General Manager of Collection at PT Andalan Finance Indonesia, where they focused on business operations and non-performing loan strategies. Umar holds a Bachelor's degree in Law from Parahyangan Catholic University and is pursuing a Master's degree in Business Administration and Management at Perbanas Institute, having previously earned a Master's in Intellectual Property Law from Universitas Pasundan. Their expertise lies in business development, strategy formulation, and effective communication.
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