Fatimah Fitri Emilifia, S.H., M.H.

Fitri is a Senior Associate at SGS Law Firm specializing in banking law, credit risk mitigation, debt restructuring, and financial dispute resolution. She possesses an exceptional dual background, combining extensive in-house banking experience with strategic private-practice advocacy to safeguard clients’ commercial and legal positions in high-value financial matters.

Prior to joining SGS Law Firm, Fitri built a distinguished career within the banking sector at one of Indonesia’s major state-owned financial institutions (Bank BUMN). During her tenure, she managed credit administration, credit risk analysis, and regulatory compliance across complex financial transactions. Leveraging this institutional insight, Fitri regularly advises financial institutions, corporate creditors, and institutional investors on non-performing loan (NPL) recovery strategies, legal opinions, demand notices (somasi), pre-litigation negotiations, and creditor representation in court-supervised restructuring and insolvency proceedings.

Fitri holds both a Bachelor of Laws (S.H.) from Universitas Diponegoro and a Master of Laws (M.H.) from Universitas Gadjah Mada, two of Indonesia’s top-tier law faculties. She is widely recognized for her rigorous analytical approach, pragmatic problem-solving, and strategic mindset in managing credit exposure and dispute resolution.