Harfelia Desti

Harfelia Desti is a banking professional with over 21 years of experience in financial risk management and business analysis. As Division Head, Sustainability at Permata Bank, she brings strong expertise in credit risk frameworks, including policy development, portfolio management, and analytics to support sustainable growth. She has led strategic initiatives and projects related to credit risk and infrastructure, ensuring alignment with business objectives. Known for balancing growth and risk, Harfelia drives effective governance and responsible banking practices, demonstrating a strong commitment to excellence, collaboration, and long-term sustainability.