Kartiko Wirjoatmodjo, also known as Mr. Tiko, completed his education as a Bachelor of Economics and Accounting at the University of Indonesia in 1996. In addition, he also completed the MBA program at Erasmus University in Rotterdam in 2001.
Early in his career, he started in the banking industry as a Senior Consultant at PwC and the Boston Consulting Group (BCG). Then in 2003, he decided to join Bank Mandiri as Department Head of Strategy & Financial Analysis at Strategy and Performance Group and was also appointed as Managing Director in 2008.
It should also be noted, he has served as CEO at Indonesia Infrastructure Finance (2011-2013) and Indonesia Deposit Insurance Corporation (2014-2015).