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Muhammad Yusni Fajri is a Secured Credit Risk Manager at DBS Indonesia, where they focus on risk management within the banking industry, particularly in consumer finance, retail, and private banking. Their extensive experience includes roles at PermataBank as an Unsecured Policy AVP and at ANZ, where they oversaw risk activities for retail and private banking, as well as developing credit policies for credit cards. Muhammad holds an Engineer's Degree from Institut Pertanian Bogor, obtained from 1992 to 1997.