Kartika Wirjoatmodjo or more commonly known as Tiko, Graduated from University of Indonesia in 1996, majoring in Economics and Accounting, and completed an MBA program at ErasmusUniversity in Rotterdam in 2001.
Prior to starting his career in Banking Industry he was a Senior Consultant in PwC and also Boston Consulting Group (BCG)
In 2003 he decided to joined Bank Mandiri as Department Head of Strategy & Financial Analysis at Strategy and Performance Group, and later progressed to lead the division as Group Head, and appointed as Managing Director at Mandiri Sekuritas in 2008.
He was assigned a special task to do financial restructuring and refocusing the business after 2008 financial crisis in capital market. Subsequently, he served as CEO at Indonesia Infrastructure Finance (2011- 2013) and Indonesia Deposit Insurance Corporation (2014-2015). At the annual general meeting of shareholders of Bank Mandiri in 2015, he was appointed CFO.