Credit Acceptance & Custody Staff
Jakarta
Credit Operations & Back Office – Credit Transaction & Custody /
Full-time - Contract /
On-site
Who are we?
Amar Bank is one of the most technologically advanced digital banks in Indonesia. Our leading
digital lending product, Tunaiku has the distinction of being the first FinTech product in
Indonesia. We are also the first digital bank on the cloud. As the first profitable digital bank, we
managed to get listed on the Indonesian Stock Exchange.
How did we manage to do that?
We are changing people’s perception of a bank. We believe we are the innovators who combine
customer focus principles with creating technology-based impact. We incorporate freedom and
flexibility as part of our startup working culture DNA to encourage innovation in creating better
financial solutions for the banking industry. We think of ourselves as, ‘A technology company
with a banking license’. For this reason, we ‘Act like a FinTech, and think like a Bank.’
How did it all start?
Founded on March 15, 1991, in Surabaya as PT Anglomas International Bank (Amin Bank), the
bank was acquired by Tolaram Group and transformed to PT Bank Amar Indonesia (Amar Bank)
in 2014. It has then undergone a significant digital transformation to become one of the
country's forerunning fintech institutions through its award-winning digital lending platform,
Tunaiku.
Our philosophy, mission, and vision
Technology must impact lives, must improve lives. We exist to provide banking to those who
‘need’ and not only to those who ‘want’. Services when provided to those who need at the time
of their need brings smiles. Our vision is to bring 200 million smiles.
More about the bank with startup culture environment
Consist of 1000+ people, you will meet people who love to grow, dream big, and actually have
fun at the workplace! We provide a great working environment that pushes people to grow
outside their comfort zone. People with high drive and ambition find us a very attractive place to
work as their career growth matches their own drive and not any staid policies. Thus we hold
the honor of being awarded “Best Place to Work in Indonesia”.
Recently Amar Bank was awarded as Inspirational Brand from APEA (Asia Pacific Enterprise
Awards) 2022. Of course, our innovation won't stop here. So if you would love to be a part of it,
have a growth mindset, and are constantly hungry for challenges, we invite you to join us in our
journey to ‘Impact Lives’.
Join us today and create #unlimitedinnovations!
About the position:
This critical role is essential for maintaining the integrity and compliance of our credit processes.
The position is responsible for mitigating credit risk, ensuring strict regulatory adherence, and driving operational efficiency. This function is key to sustaining high quality standards given the increasing volume and complexity of our credit transactions.
Responsibilities
- Monitor To Be Obtained (TBO) documents, and financial covenant adherence to ensure regulatory and contractual compliance.
- Review and validate business processes to confirm alignment with internal procedures and applicable external regulations.
- Examine credit documentation after approval, before contact signing, post-contract signing, and prior to disbursement to ensure completeness and compliance with all applicable regulations.
- Perform through on-site inspections of credit-related policies in coordination with other departments.
- Provide essential data and documentation to support internal and external audits, including SKAI, OJK, and KAP audits.
- Oversee the centralization and management of credit documents to ensure accessibility and organization.
- Coordinate closely with cross-functional teams such as Business Units, Compliance Internal Audit (SKAI), System & Procedures, Credit Risk, and Credit Operations.
- Handle day-to-day reporting, administrative duties, and systematic filing of credit-related documents.
- Carry out additional tasks and responsibilities as assigned by direct supervisors.
Requirements
- Bachelor's degree in Finance, Accounting, Economics, or a related field.
- In-depth understanding of credit processes, including risk identification, assessment, and mitigation.
- Demonstrated proficiency in reviewing and analyzing credit documents for compliance and accuracy.
- Strong communication and coordination skills, with the ability to work effectively across multiple departments.
- Capable of conducting detailed and insightful on-site inspections of credit-related operations.
- Proven administrative and reporting abilities, with strong document management skills.
- Exceptional attention to detail and proactive mindset in identifying and recommending process improvements.
We exist to help and manage credit portfolios. We organize information in order to make sure that loans function efficiently. We manage the entire Tunaiku credit process.
It’s our job to determine the borrower’s competency to utilize the funds to generate an income and their ability to pay back the principal amount and interest. We work hand-in-hand with other departments to achieve all credit objectives within a defined timeframe.
We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.
