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Our Team

Gen Advisory comprises a team of experienced, tertiary-qualified professionals. Our team members are based in Sydney, Australia and Jakarta, Indonesia.

We aim to maintain a positive environment in which each of our team members feels valued.

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Michael Lukman

Michael Lukman
Managing Director

Michael  Lukman brings over 20 years' international financial sector advisory and regulation experience, having previously worked at: the Australian Prudential Regulation Authority (APRA); National Australia Bank (NAB); and Ernst & Young (EY).

Michael previously also served as the Australian Government-backed Financial Sector Regulation and Supervision Adviser in Indonesia. And as an Advisory Board Member of FinMango - a US s501(c)(3) non-profit organisation whose mission is to address economic inequality through opportunity.

Gen Advisory Pty Ltd


Clement Fernandez

Head of Licensing & 
Financial Sector Regulation

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Eleni Aroney

Graphic Designer

Scott Middleton

General Manager

Clement brings over 25 years' ADI regulation and industry experience. Prior to joining Gen Advisory in 2021, Clement had worked at: the Australian Prudential Regulation Authority (APRA) and St George Bank (Australia) for 12 and 10 years respectively.

Clement holds a Masters in Business Administration (MBA) from Western Sydney University.

Scott  has been Gen Advisory Pty Ltd’s General Manager since 2018. Prior to ​joining Gen Advisory, Scott had had over 25 years’ accounting experience in Australia. 

Scott is a keen cyclist and member of several cycling groups in Sydney. 

Eleni has been Gen Advisory Pty Ltd’s Graphic Designer since 2020. Her responsibilities include: converting Gen Advisory’s technical reports into visually-appealing content for our readers; website design; and events management. 


Eleni has a Bachelor of Visual Communication from the University of Technology, Sydney (UTS). 

PT. Generasi Lukman Indonesia

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Fitria Susanti

Financial Inclusion &
Research Analyst 

Fitria has been Gen Advisory's Research Analyst since 2018. During that time, Fitria has authored a series of reports on topics including: how banks and FinTechs can contribute to reducing the gender pay gap in financial services; how ADIs and FinTechs can support older workers; and women’s financial inclusion.

Fitria holds a Bachelor of International Relations degree from Abdurrab University, Indonesia. .

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Hendra Fahrizal

Banking &
Finance Analyst 

Hendra has extensive experience in the Indonesian banking industry. Prior to joining Gen Advisory in 2018, Hendra had worked as a Corporate Credit Analyst at Bangkok Bank Pcl (Jakarta)) as well as Credit Analyst at PT. Bank QNB Kesawan, Tbk;

Hendra holds a Bachelor of International Relations degree from Riau University. 

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