Fajar leads EFL's business development in Indonesia. He is an an experienced banker with 10 years of management experience. He has established Sharia business in multinational banks such as HSBC Amanah Syariah and OCBC NISP Syariah. Previously, he managed the Sharia retail business in CIMB Niaga Syariah, and he was a Singapore-based Management Consultant with Oliver Wyman. His projects in Oliver Wyman included corporate planning in micro-banking, at which point he became interested in psychometric credit scoring.