Alfina Azaria

Alfina Azaria

Co-Founder & Product Manager

Instrumental in managing Kugie's key products end-to-end, from pre-development to post-production analytics. Transforms raw data into actionable insights to drive sustainable growth for both clients and internal operations. Background includes Management Associate at one of Indonesia’s largest banks and AI & Data Consulting at Deloitte.

Key Achievements

  • Led digital channel testing and manage operational readiness as PM for CIMB Niaga Syariah's spin-off
  • Developed AI-powered production scheduling models and predictive analytics for a global car manufacturer at Deloitte
  • Managed key Kugie products: Arutala Points, PowerInvoice, Kambium, Swiftbite

Professional Experience

Sharia Consumer Banking - Funding Product & Business Development

CIMB Niaga

May 2025 - Present

Indonesia's sixth-largest bank

Consulting - AI & Data

Deloitte

Jun 2024 - Oct 2024

Global leader in consulting, strong in AI & data

Retail Performance Analyst

Mandiri Sekuritas

Sep 2023 - Dec 2023

Leading investment bank in Indonesia

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