Bersama kita Jago

Arief was appointed as Deputy President Director of Bank Jago Bank Jago pursuant to the resolution of the EGMS on 15 November 2019. He was appointed as President Director through the AGMS on 25 May 2023.

Arief has been working in the banking industry for more than 25 years, holding key positions at Bank Universal, Standard Chartered Bank, Bank Danamon, and Bank BTPN.

Other than Bachelor of Engineering degree from the University of Indonesia in 1991, Arief also attended various education and training programs, including the General Management Executive Program at the National University of Singapore, the Leadership Program organized by the Temasek Learning Center, and the CFO Strategic Financial Leadership Program at the Stanford Business School Executive Education.

Sonny was appointed as Director of the Bank based on the AGMS dated 27 May 2021 and effective on 5 May 2021.

During his more than 25 years of experience working in the financial services industry, Sonny held various strategic positions at Bank Danamon, DBS Indonesia, and Bank BTPN.

Sonny also founded PT Berdayakan Usaha Indonesia (Batumbu), in which he served as President Director & Co-Founder, developing Fintech Lending for SMEs equipped with ecosystem-related capacity building programs.

Sonny earned a Bachelor of Economics degree from Hasanuddin University in 1996, and attended various education and training programs, including the Leadership Program at INSEAD Singapore, DBS Bank, and at the Center of Creative Leadership, Singapore.

Umakanth, was appointed as Director of the Bank based on the EGMS dated 27 May 2021 and effective on 9 June 2021.

Prior to joining Bank Jago, Umakanth has served in several strategic positions in Standard Chartered Bank, across Singapore, India, UAE, South Asia, ASEAN, Middle East, and Africa, and also in Bank Danamon.

Umakanth obtained his Bachelor of Technology (1992) and MBA (1994) from University of Calicut, India.

Siat Fun was appointed as Compliance Director of the Bank through the EMGS on 15 November 2019. She was reappointed as Director of Bank Jago through the AGMS on 25 May 2023.

Her career in banking compliance spanned more than two decades at Bank Central Asia, Citibank, Deutsche Bank, Bank MNC International, and Bank DBS Indonesia.

Siat Fun holds a Bachelor's degree in Accounting from Tarumanagara University.

Supranoto, a 54-year-old Indonesian citizen, holds a Bachelor's degree in Mechanical Engineering from the Faculty of Industrial Technology, Sepuluh Nopember Institute of Technology Surabaya, and a Master's degree in Engineering Management from Curtin University of Technology, Western Australia.

With nearly 30 years of experience in the banking and financial industry, Supranoto began his career at the Jakarta branch of ABN AMRO Bank NV (1998-2008). He then worked at the Jakarta branch of Deutsche Bank AG and the Jakarta branch of Hongkong and Shanghai Banking Corporation (HSBC) Limited (2013-2016). Supranoto also served two terms as Director of PT Kustodian Sentral Efek Indonesia (Indonesian Central Securities Depository) from 2016 to 2023.

He joined Bank Jago on August 1, 2023, as Head of Finance, Technology & Operations at PT Bank Jago Tbk. Following the approval of the General Meeting of Shareholders on May 22, 2024, Supranoto was appointed as a director. His appointment became effective on July 2, 2024, after receiving approval from the Financial Services Authority (OJK). He has no affiliation with members of the Board of Commissioners, Board of Directors, or shareholders of the Bank

Nicholas Tan officially joined Bank Jago on 1 January 2025 as Head of Retail Banking Business. Following the approval of the General Meeting of Shareholders on May 7, 2026, Nicholas was appointed as a director.

Before joining Bank Jago, Nicholas served as Chief Product Officer of DKatalis, Jago’s strategic technology partner, where he was responsible for product strategy and delivering product features to support the bank’s growth. He has also held senior roles in strategy, product management, and partnerships at OneConnect, the technology commercialisation arm of Ping An Group. Earlier in his career, Nicholas served as a management consultant for the Boston Consulting Group, where he focused on financial services, digital banking and digital transformation for large regional banks across SEA.

Nicholas holds an ScB (Bachelor of Science) in Chemistry from Brown University, and a Ph.D in Chemical Engineering from University of Cambridge.

Maya has officially joined Bank Jago as Head of Culture, Communication and Sustainability on 1 May 2022.

Prior to joining Bank Jago, Maya has also been a commissioner for DKatalis dan Bank BTPN Syariah. Maya’s career in the human resources field in the banking industry has spanned more than 30 years at Bank BTPN (now Bank SMBC Indonesia), Bank HSBC, Bank ABN AMRO/Bank RBS, and Bank Standard Chartered.

Maya earned a Bachelor’s degree in psychology from the University of Indonesia in 1990.

Ray Frederick Djajadinata officially joined Bank Jago in May 2026 as Head of Technology & Digital Product.

Prior to joining Bank Jago, Ray served as Chief Technology Officer (CTO) at Traveloka, where he led technology development across various business lines. Ray also has extensive experience in the global financial sector, including serving as Executive Director at Goldman Sachs (Head of Asia Derivatives Technology), as well as holding several senior roles at Morgan Stanley and Credit Suisse focused on trading systems development and large-scale technology solutions.

Ray began his career in software engineering and has held various technology leadership positions at international companies. In addition, he previously served as a Technology Partner at Alpha JWC Ventures and as Program Director at the Artificial Intelligence Institute for Progress.

Ray earned a Bachelor’s degree in Electrical Engineering, specializing in Computer Systems Engineering from Trisakti University and is a Chartered Financial Analyst (CFA) charterholder.

Sanrego was appointed as Chairman of the Sharia Supervisory Board of Bank Jago at the EGMS on 22 September 2021.

Sanrego was an advisor/researcher on Islamic economics and finance at the Saudi Arabian Monetary Authority (SAMA) from 2017 to 2019. Sanrego has also served as Member of the National Sharia Council of the Indonesian Ulema Council (MUI) from 2010.

Sanrego has served as Member of the Sharia Supervisory Board in several financial institutions such as the Indonesian Export Financing Agency (2012-present) and CIMB Niaga (2013-present). Sanrego also serves as Chairman of the Sharia Supervisory PMBT Ventura (2017-present) and Bank BTB (2016-present).

Sanrego earned a Bachelor’s degree in Muamalah/ Islamic Economics at Djuanda University, Bogor in 1999. Sanrego then earned a Master’s degree at International Islamic University Malaysia (2005) in Islamic economics and finance and a Doctorate degree at Syarif Hidayatullah State Islamic University (2010) in Islamic economics and finance.

Maksum was appointed as Member of the Sharia Supervisory Board of Bank Jago at the EGMS on 22 September 2021.

Currently, Maksum is the Secretary of the Daily Executing Body for Sharia Banking at the National Sharia Council of the Indonesian Ulema Council (DSN-MUI).

Maksum serves as Member of the Sharia Supervisory Board in several financial institutions such as PT. AllianzGI (2018-present) and PT. Tugu Pratama Insurance Indonesia Tbk (2017-present). Maksum also serves as Chairman of the Sharia Supervisory at PT Bank DKI (2021-present).

Maksum holds two bachelor's degrees at Hidayatullah Sharia State Islamic University Jakarta (formerly IAIN). Maksum also holds a master's degree in Islamic economics at UIN Jakarta, a master's degree in comparative law at Université De Perpignan France, and a doctorate in Islamic economics at Hidayatullah Sharia State Islamic University Jakarta.

Emir was appointed as Member of the Sharia Supervisory Board of Bank Jago at the GMS on 14 May 2025.

Emir earned his bachelor's degree from the Bogor Agricultural University (IPB) and completed his master's and doctoral degrees at the International Islamic University Malaysia.

In academics, Emir has been a permanent lecturer in the Sharia Economics Study Program at Gunadarma University since September 2020. Emir also has teaching experience abroad, including at the University College of Bahrain, Ahlia University, the Bahrain Institute of Banking & Finance, and the International Islamic College Malaysia. Emir has also examined doctoral dissertations for doctoral students in Brunei, Malaysia, and Indonesia.

Since July 2020, Emir has been entrusted with the position of Director of Sharia Ecosystem Infrastructure at the National Committee for Islamic Economics and Finance (KNEKS).

Emir is certified as a Sharia Supervisor (BNSP, LSP MUI) with expertise in Fiqh Muamalah Maliyah (Islamic Law).