MSME Lending Head (Circle Lead)

Jakarta
MSME – Key Account Manager /
Full-time - Permanent /
On-site

Responsibilities

    • Oversee and directly manage end-to-end operations for MSME banking products, including hands-on involvement in lending underwriting and funding processes.
    • Proactively ensure all operational workflows are smooth, efficient, and tightly safeguarded against fraud through daily oversight and intervention when necessary.
    • Develop, implement, and enforce SOPs by working closely with teams on the ground to standardize workflows and ensure compliance in practice, not just on paper.
    • Continuously refine processes by actively engaging in root-cause analysis and hands-on problem-solving to enhance efficiency and reduce turnaround times.
    • Drive the adoption of digital tools and automation by collaborating with teams on implementation and integration, ensuring practical alignment with daily operations.
    • Monitor operational performance through hands-on tracking of key metrics, providing actionable insights and reporting directly to senior management.
    • Lead by example in mentoring and working alongside the operations team, fostering a culture of accountability, performance, and problem-solving.
    • Collaborate deeply with product, risk, compliance, and customer service teams by addressing issues on the ground and aligning strategies to operational realities.
    • Champion customer-focused operations by working closely with frontline teams to ensure a seamless, responsive, and positive user experience.
    • Stay actively updated on regulatory requirements, translating them into practical, day-to-day compliance measures across all operations.
    • Identify and execute innovations by staying engaged with operations, seeking opportunities for improvement, and driving changes to support business growth.

Requirement

    • 7-10 years of experience in banking operations, with a focus on MSME, lending, or funding products.
    • Expertise in managing large operation in asset-based lending and appraisal is a strong advantage
    • Proven ability to design and improve operational processes and SOPs.
    • Experience with digital transformation and process automation.
    • Strong leadership, problem-solving, and analytical skills.
    • Bachelor’s degree in Business Administration, Finance, Engineering, and Science or a related field; a master’s degree is a plus.