Introduction
Amartha, a leading micro‑finance institution dedicated to empowering entrepreneurs across Indonesia, is seeking a dynamic Business Manager – Kepala Cabang Riau. This pivotal role will be based in the Riau region and will oversee the performance, growth, and operational excellence of the branch. The ideal candidate will combine strong leadership experience with a deep understanding of micro‑finance products, sales strategy, and team development.
The Business Manager will act as the bridge between corporate strategy and local execution, ensuring that the branch not only meets but exceeds its key performance indicators (KPIs) while fostering a culture of transparency, customer focus, and continuous improvement.
Responsibilities
- Drive and monitor all branch KPIs, including loan disbursement targets, repayment rates, and portfolio quality, ensuring alignment with regional and corporate goals.
- Lead a team of 5‑10 staff members, providing coaching, performance feedback, and professional development opportunities to boost productivity and morale.
- Develop and execute comprehensive Sales & Marketing strategies that integrate community outreach, digital channels, and partnership programs to expand the customer base.
- Oversee day‑to‑day branch operations, including cash management, compliance, and risk controls, guaranteeing smooth and secure service delivery.
- Manage human resources functions such as recruitment, training, scheduling, and employee relations to maintain a capable and motivated workforce.
- Identify and evaluate new market territories for expansion, preparing feasibility studies, and presenting actionable plans to senior management.
- Maintain rigorous portfolio quality standards, conducting regular audits, monitoring credit risk, and implementing corrective actions when needed.
- Uphold the principle of openness and transparency within the branch, fostering trust among staff, borrowers, and stakeholders.
- Coordinate with regional leadership on reporting, budgeting, and strategic initiatives, ensuring the branch contributes to Amartha’s overall mission.
Requirements
- Minimum education: Diploma III (D3) or higher (D4 preferred).
- At least 2 years of experience in micro‑finance, preferably within a Grameen Bank‑style institution or similar.
- Proven track record of managing a branch or equivalent unit with responsibility for P&L.
- Demonstrated ability to lead and develop teams of 5‑10 members, driving high performance and engagement.
- Strong analytical skills with proficiency in Microsoft Excel for reporting and data‑driven decision making.
- Excellent communication and interpersonal skills, capable of building relationships with borrowers, partners, and internal stakeholders.
- Strategic mindset with experience in designing and implementing sales and marketing plans.
- Own a reliable personal vehicle and possess a valid SIM C (motorcycle) license for regional travel.
- Willingness to be permanently based in the Amartha regional office in Riau.
- Gender: Open to all candidates.
Benefits
- Competitive base salary with performance‑based bonuses tied to branch results.
- Comprehensive health insurance coverage for employee and immediate family.
- Vehicle allowance or company‑provided car to support regional travel needs.
- Professional development programs, including leadership workshops and micro‑finance certifications.
- Generous paid leave, including annual, sick, and maternity/paternity leave.
- Access to Amartha’s employee assistance program and wellness initiatives.
- Opportunity to make a tangible social impact by supporting micro‑entrepreneurs in Riau.
About Company
Amartha is a pioneering micro‑finance platform that connects socially conscious investors with underserved micro‑entrepreneurs throughout Indonesia. Founded on the principle that access to capital can transform lives, Amartha leverages technology, local expertise, and a deep commitment to financial inclusion. The organization operates under a Grameen‑style cooperative model, emphasizing community ownership, transparent governance, and sustainable growth.
With a network spanning more than 30 regions, Amartha provides tailored loan products, financial education, and business development support to millions of borrowers. The company’s culture promotes innovation, collaboration, and a strong sense of purpose, making it an ideal environment for professionals who are passionate about driving economic empowerment and creating lasting social change.
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