Setiyo Wibowo

Setiyo Wibowo is a seasoned banking professional with extensive experience in risk management and analytics. He currently serves as the Director of Risk Management at PT Bank Tabungan Negara (Persero) Tbk (BTN), a position he has held since March 2021. In this role, he leads the bank’s enterprise-wide risk governance, aligning it closely with BTN’s strategic digital transformation agenda.

Prior to this, he also served as Director of Risk Management and Transformation, where he played a pivotal role in integrating risk oversight with transformational initiatives. From November 2019 to March 2021, he was appointed as Director of Enterprise Risk Management, Big Data & Analytics, driving the adoption of data-driven risk frameworks and analytics-based decision-making across the organization.

Before joining BTN, Setiyo Wibowo built a solid foundation at Bank Mandiri, Indonesia’s largest bank by assets. He held several key leadership roles, including Group Head of Consumer Credit Risk & Analytics (October 2018 – November 2019), Group Head of Credit Portfolio Risk (January 2017 – October 2018), and Group Head of Consumer Deposit (January 2015 – January 2017). These roles reflect his broad expertise in credit risk, portfolio management, and retail banking operations.

With a strong background in both strategic and operational aspects of risk management, Setiyo Wibowo is recognized for his holistic understanding of risk in the banking sector and his ability to balance business needs with prudent governance in an increasingly digital landscape.