Sena Adi Nugraha is a Senior Leader at SKHA Consulting, with extensive experience in the financial services sector, including both banking and non-banking financial institutions (NBFI). With a solid background in business and strategy development, corporate finance, transaction advisory, and financial analysis, Sena has been instrumental in supporting clients across a wide range of transformative initiatives. 

Since joining SKHA, Sena has led multiple high-impact projects for top-tier banks, state-owned enterprises (SOEs), and private sector clients. His expertise includes digital banking transformation, corporate strategic planning, transaction advisory, and financial product development. Sena has notably led the revamp of digital banking product rewards through strategic partnerships, enhancing customer engagement and driving product innovation for one of Indonesia’s largest commercial banks. 

He has also supported the development of key financial modeling tools including leading indicator simulation models for state-owned banks, and has conducted in-depth funding strategy reviews and profitability analysis to strengthen business resilience. Sena’s work in digital transformation extends to assisting banks with Micro Holding Development Blueprints, improving financial inclusion, and leading market positioning efforts. 

In the non-banking sector, Sena has provided strategic and financial advisory for share acquisition deals, fundraising for fast-growing start-ups, and business development for SOE and private clients. His engagements have included transaction structuring, feasibility studies, financial due diligence, and organizational transformation to support both growth and efficiency goals. 

Sena consistently demonstrates strong analytical skills combined with a pragmatic approach to problem-solving. He excels at synthesizing complex financial and market data into actionable recommendations that align with client objectives. His ability to navigate multi-stakeholder environments and deliver structured, value-driven solutions has earned him a reputation as a trusted advisor to both corporate leadership and financial institutions. With a strong track record of driving strategic initiatives, Sena continues to contribute to the successful transformation and performance enhancement of his clients across industries.