Cita-citaku Menjadi Aktuaris
1) Jalur kuliah & kampus yang oke
Alur umum (Indonesia):
SMA → S1 Aktuaria/Matematika/Statistika → mulai ujian profesi sambil kuliah/kerja → gelar keaktuarian (PAI/SOA/IFoA/CAS) + pengalaman → role aktuaris (life/general/pensiun/health/risk/insurtech).
Contoh kampus (bukan daftar penuh):
- Aktuaria: ITB, UI, IPB, UNAIR, UNPAD, UGM (minat aktuaria), BINUS, ITS (lintas Stat/Informatika).
- Alternatif kuat kuantitatif: Matematika/Statistika di ITB/UI/UGM/ITS/IPB/UNPAD dsb (ambil paket keuangan + ujian profesi).
Luar negeri (kalau bidik beasiswa/eksposur): NUS/NTU (SG), HKUST/HKU (HK), Melbourne/UNSW (AU), LSE/Warwick/Imperial (UK), UW-Madison/Illinois/Waterloo (US/CA).
Profesi/sertifikasi: - PAI (Indonesia): ASAI → FSAI.
- SOA (life/health/ERM): ASA → FSA (+ modules/VEE).
- IFoA (UK): AIA → FIA.
- CAS (general/P&C): ACAS → FCAS.
Strategi mantap: kuliah kuantitatif + mulai 1–2 ujian awal (probability/financial math) sebelum lulus.
2) Cocoknya buat introvert atau ekstrovert?
- Introvert: nyaman modeling, pricing/reserving, studi mortalitas/morbiditas, IFRS 17/Solvency—banyak deep work, coding, dokumentasi.
- Ekstrovert: enjoy product development, consulting, EVP dengan bisnis, presentasi ke regulator/klien, stakeholder management.
Aktuaris ideal = hybrid: kuat di probability & coding, tapi bisa jelasin angka jadi keputusan.
3) Pelajaran/kompetensi yang harus paham
- Probabilitas & Statistika (distribusi, MLE, Bayesian/credibility).
- Matematika keuangan (interest theory, annuity, duration/convexity).
- Life contingencies & survival model (mortalitas, premi/cadangan).
- Risk theory (general insurance): frequency–severity, aggregate loss, GLM/GBM.
- Stochastic processes & time series.
- Akuntansi & regulasi: IFRS 17, RBC/Solvency, PSAK asuransi.
- Programming & data: R/Python, SQL, Excel/VBA, BI (Power BI/Tableau).
- Soft skills: business writing, audit trail, komunikasi ke non-teknis, etika & kontrol model.
4) Tabel perbandingan jalur sertifikasi (ringkas)
| Badan | Fokus Khas | Kelebihan | Tantangan | Cocok Untuk |
|---|---|---|---|---|
| PAI (ASAI→FSAI) | Standar Indonesia; selaras OJK/industri lokal | Relevan regulasi & pasar ID | Literatur campur; tetap perlu exposure global | Karier di Indonesia (insurer/konsultan) |
| SOA (ASA→FSA) | Life/health/ERM global | Materi luas, diakui global | Biaya & waktu berat; banyak modul | Life/health/ERM, mobilitas internasional |
| IFoA (AIA→FIA) | General & life UK/EU | Reputasi kuat, pathway komprehensif | Kompetitif; ujian ketat | Consulting EMEA/UK, global |
| CAS (ACAS→FCAS) | General (P&C) | Dalam di pricing/reserving P&C | Fokus non-life; bahan teknis | General insurance, pricing aktuarial |
5) Tools yang harus disiapin (tiered)
Wajib mulai sekarang:
- Excel (power user): INDEX/XLOOKUP, Pivot, Solver; VBA dasar.
- R / Python: tidyverse/pandas, statsmodels/GLM, lifetable/survival, scikit-learn (model praktis).
- SQL (Postgres/MySQL/BigQuery).
- BI: Power BI/Tableau untuk dashboard cadangan/triase.
- Dokumentasi & versi: Git/GitHub, Notion/Confluence, LaTeX/Markdown.
Bagus punya (kantor/enterprise):
- Prophet/RAFM/AXIS/Polysystems (life reserving); ResQ/Emblem (general pricing/reserving).
- Python untuk IFRS 17 (cash flow engine + CSM simplifikasi), cloud basic (Azure/GCP BigQuery).
6) Peta peran karier (biar kebayang)
- Pricing Actuary (life/general/health)
- Valuation/Reporting (IFRS 17, RBC/Solvency)
- Capital & ALM / ERM
- Product Development
- Data/Insurtech Actuary (telematics, usage-based, ML)
- Pension/EB Consulting
- Risk/Model Validation/Internal Audit
7) Checklist “siap tempur” (praktis & actionable)
- Lulus 1 ujian probability/financial math (SOA/IFoA/PAI) → bukti komitmen.
- Bangun model premi & cadangan sederhana (life) atau pricing GLM (general) di R/Python + Excel.
- Buat dashboard loss ratio & triangle (Mack/Chain-Ladder) + note asumsi.
- Tulis 1-pager: implikasi IFRS 17 ke profit & CSM (versi pemula).
- Pelajari credibility (Bühlmann) & exposure rating (general), survival (life).
- Rapikan audit trail: input → asumsi → kode → output; simpan di repo Git.
- Ikut komunitas/mentorship (PAI chapter, SOA/IFoA student group, webinar OJK/industri).
Bonus: jalur belajar 8 topik (urut)
- Prob/Stat & Interest Theory → 2) Life contingencies/Survival → 3) GLM & credibility (general) → 4) 3 laporan + IFRS 17 basics → 5) R/Python + SQL → 6) Triangle reserving & cash-flow model → 7) Capital/ALM & ERM → 8) Komunikasi bisnis & etika.