Introduction
Amartha, a leading micro‑finance platform dedicated to uplifting low‑income households in Indonesia, is seeking a dynamic Business Partner – Penagihan Penjualan for the Dempet Demak region. This field‑sales role focuses on expanding our network of micro‑entrepreneurs, providing personalized financial guidance, and ensuring timely repayment of micro‑loans. The successful candidate will act as a trusted liaison between Amartha and rural small‑business owners, helping them achieve sustainable growth while contributing to the organization’s social impact mission.
Responsibilities
- Identify and engage prospective borrowers through door‑to‑door outreach, community events, and referrals, building a robust pipeline of qualified leads.
- Conduct in‑depth household economic assessments, evaluating income streams, expenses, and creditworthiness in line with Amartha’s underwriting guidelines.
- Guide clients through the loan application process, gathering required documentation, completing digital forms, and ensuring compliance with internal policies.
- Perform feasibility surveys and risk analyses, using both qualitative observations and quantitative data to determine loan eligibility.
- Prepare concise recommendation reports for the Credit Committee, highlighting key findings and suggested loan terms.
- Facilitate weekly group meetings with existing borrowers, providing financial education, monitoring repayment behavior, and fostering peer‑to‑peer support.
- Maintain accurate field data in Amartha’s CRM system, tracking visits, outcomes, and follow‑up actions.
- Collaborate with regional managers to refine sales strategies, share market insights, and contribute to continuous improvement initiatives.
- Uphold Amartha’s commitment to ethical lending, transparency, and client confidentiality at all times.
Requirements
- Minimum education: SMA/SMK or equivalent; higher education in Business, Economics, or Social Sciences is a plus.
- Age: maximum 28 years; female candidates preferred per local recruitment policy.
- At least 1 year of experience in field sales, micro‑finance, or community outreach.
- Valid driver’s license and ability to operate a motorcycle for daily travel across the Dempet Demak area.
- Strong interpersonal and communication skills; ability to build rapport with diverse households.
- High level of integrity, honesty, attention to detail, and a strong work ethic.
- Proficiency with data collection tools, basic Excel or spreadsheet functions, and familiarity with customer‑relationship management (CRM) platforms.
- Comfortable working independently, handling rejection, and thriving in a door‑to‑door sales environment.
- Commitment to Amartha’s mission of improving the welfare of low‑income families through inclusive financial services.
Benefits
- Competitive base salary with performance‑based incentives.
- Health insurance coverage for employee (and optional family add‑on).
- Monthly transportation allowance and fuel reimbursement.
- Comprehensive training on micro‑finance products, financial literacy, and sales techniques.
- Opportunities for career advancement within Amartha’s rapidly growing network.
- Paid annual leave, sick leave, and public holiday pay.
- Access to employee assistance programs and well‑being initiatives.
About Company
Founded in 2010, Amartha leverages technology to connect socially‑conscious lenders with micro‑entrepreneurs across Indonesia’s underserved regions. By providing affordable credit, financial education, and ongoing support, Amartha aims to break the cycle of poverty and empower millions of households to build sustainable livelihoods. The organization operates under rigorous compliance standards, collaborates with local NGOs, and continuously innovates its product suite to meet the evolving needs of rural communities.
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