Introduction
Amartha, a leading fintech platform dedicated to empowering micro‑entrepreneurs across Indonesia, is seeking a motivated Business Partner Penagihan Sales to join our field sales team in Blora. This full‑time position works Monday through Friday, 08:00–17:00, and offers a dynamic environment where you will directly contribute to expanding financial inclusion for rural UMKM (micro‑, small‑ and medium‑enterprises). If you have a passion for community development, strong analytical abilities, and a talent for building relationships, we invite you to become a key partner in our mission.
Responsibilities
- Identify and prospect new potential borrowers in the Blora region, presenting Amartha’s credit programs and encouraging participation.
- Provide hands‑on economic guidance to household members, helping them understand budgeting, cash‑flow management, and the benefits of formal financing.
- Conduct on‑site surveys and perform detailed feasibility analyses of loan applications, ensuring compliance with Amartha’s credit policies, risk‑assessment frameworks, and regulatory requirements.
- Prepare comprehensive recommendation reports for the credit committee, highlighting borrower strengths, repayment capacity, and any mitigating factors.
- Facilitate weekly member meetings, track service transactions, and serve as the primary point of contact for borrowers throughout the loan lifecycle.
- Monitor repayment schedules, proactively address delinquency issues, and work with borrowers to devise realistic repayment plans.
- Collaborate with internal teams—operations, risk, and product development—to continuously improve the sales‑to‑service pipeline.
- Maintain accurate records in Amartha’s CRM system, ensuring data integrity for reporting and performance analysis.
- Stay informed about local market trends, agricultural cycles, and seasonal factors that may affect borrower repayment behavior.
Requirements
- Minimum education: D3/D4 (associate or bachelor degree) in Business, Economics, Finance, or a related field.
- At least 1 year of experience in field sales, credit collection, or micro‑finance services.
- Strong understanding of financial applications, data analytics, and big‑data concepts.
- Excellent interpersonal and communication skills; ability to build trust with rural entrepreneurs.
- Analytical mindset with proven ability to assess creditworthiness and present clear recommendations.
- Self‑motivated, results‑oriented, and comfortable working independently in remote locations.
- Proficiency in Indonesian; additional language skills are a plus.
- Gender: open to all candidates.
Benefits
- Competitive base salary with performance‑based incentives.
- Health insurance coverage for you and your immediate family.
- Transport allowance and fuel reimbursement for field visits.
- Professional development programs, including training on credit analysis, digital tools, and leadership.
- Opportunities for career advancement within Amartha’s fast‑growing network.
- Flexible work schedule with occasional remote‑working options after the initial onboarding period.
- Employee wellness initiatives, including regular health check‑ups and community‑building events.
About Company
Founded in 2010, Amartha leverages technology to connect underserved micro‑entrepreneurs with impact‑focused investors. With a presence in more than 30 districts across Java and Sumatra, the company has disbursed over USD 200 million in credit, helping millions of families improve their livelihoods. Our core values—integrity, empathy, innovation, and collaboration—drive a culture where every employee can make a tangible difference. By joining Amartha, you become part of a purpose‑driven organization that not only delivers financial solutions but also fosters sustainable community development.
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