Handayani was appointed as EVP Commercial in December 2014. Previously, she served as Marketing & Alternate Distributions Director at PT. AXA Mandiri Financial Services, Senior Vice President Group Head – Consumer Cards Group at PT. Bank Mandiri (Persero) Tbk., Vice President Dept. Head Card Business, and Assistant Vice President Dept. Head Card Marketing at at PT. Bank Mandiri (Persero) Tbk. She has also worked for Bank Internasional Indonesia and Standard Chartered Bank.
She obtained her Bachelor degree in Dentistry from Universitas Airlangga, Surabaya, and Master degree in International Management from Universitas Padjajaran, Bandung.