Rizwan Muharram is currently the Assistant Manager of Policy and Product Development of Personal Loans at PT Bank Mandiri (Persero) Tbk. He has been in this position since July 2010 and is responsible for the development of personal loan products through analyzing target markets, proposing new products and policies, developing marketing programs, monitoring personal loan portfolio performances, etc. Prior to this he was a Researcher Assistant at Bank Indonesia from March to June 2010 on an internship program for developing understanding about macroeconomics and monetary research. The advisor graduated from Universitas Sebelas Market majoring in Economics and Development Studies. His areas of expertise include Consumer Loan, Mortgage Loan, Personal Loan, and Unsecured Loan. He is currently located in Jakarta, Indonesia.