PT ALLO BANK INDONESIA · SQL · Scheduler · Monthly → Daily
Turning Credit Limit Adjustment into a Daily, Rule-Based Process
Designed the criteria and automated system that took Credit Limit Adjustment (CLA) from an unchecked monthly process to a governed daily one.
Problem
Before this project, the business team ran Credit Limit Adjustment (CLA) every month on its own initiative, without any review or sign-off from the Credit Risk function
There was no formal, agreed-upon criteria defining which accounts should have their credit limit adjusted, or by how much, relative to the company's risk appetite
This gap meant limit decisions could drift from the bank's actual risk tolerance without Credit Risk having visibility into it before the fact
Approach
Partnered directly with the Head of Credit Risk and the Board of Directors to define a clear, documented set of criteria for CLA that reflected the company's risk appetite
Translated those criteria into a rule-based system built on SQL and a scheduler, so every account list could be automatically checked against the agreed rules
Designed the system so accounts meeting the criteria are processed for CLA automatically, removing the need to wait for a manual monthly review cycle
Tools
SQL · Scheduler
Result
CLA moved from an unchecked, ad-hoc monthly process to a governed, rule-based process that runs daily
Every limit adjustment now traces back to criteria explicitly approved by Credit Risk leadership and the Board, closing the earlier governance gap
The bank can now respond to changes in portfolio risk on a daily basis instead of waiting for the next monthly cycle, without loosening any of the underlying risk controls