Introduction
We are seeking energetic and results‑driven individuals to join our team as Card Loan Officers in the vibrant cities of Balikpapan and Samarinda. This position plays a pivotal role in expanding our consumer loan portfolio by identifying, engaging, and nurturing relationships with new and existing customers. As a frontline representative of the bank, you will be the face of our financial solutions, helping clients achieve their personal and business goals through tailored loan products.
The ideal candidate is a proactive communicator with a solid foundation in sales or customer service, a willingness to work flexible shift schedules, and a commitment to continuous learning. Whether you are a recent graduate looking to start a career in banking or an experienced sales professional transitioning to the financial sector, this role offers a clear pathway for growth and professional development.
Responsibilities
- Proactively search for new loan applicants through cold calling, networking events, community outreach, and digital channels.
- Build and maintain strong, trust‑based relationships with existing customers to encourage repeat business and referrals.
- Conduct thorough needs‑analysis interviews, presenting appropriate card loan solutions that match each client’s financial situation.
- Guide applicants through the complete loan application process, ensuring documentation accuracy and compliance with regulatory standards.
- Attend mandatory training sessions, achieve performance targets, and share best practices with peers.
- Collaborate with underwriting, risk management, and marketing teams to streamline the loan approval cycle.
- Provide timely and professional post‑sale support, addressing any questions, repayment issues, or product upgrades.
- Maintain up‑to‑date knowledge of market trends, competitor offerings, and regulatory changes affecting consumer credit.
- Generate regular activity reports and forecast pipeline metrics for management review.
Requirements
- Minimum education: SMA/SMK or equivalent; Diploma or S1 preferred.
- At least 1 year of experience in sales, marketing, business development, or customer service (experience in SPG/SPB, retail sales, or banking is a plus).
- Strong verbal communication skills and a professional, well‑presented appearance.
- Ability to work on a shift basis (including early mornings or evenings) to meet customer needs.
- Open to candidates who are currently pursuing higher education (part‑time or online arrangements available).
- Demonstrated discipline, reliability, and a results‑oriented mindset.
- Proficiency with basic office software and familiarity with CRM tools is advantageous.
- All genders are welcome to apply.
Benefits
- Competitive base salary with a performance‑based allowance.
- Meal and transportation allowances to support daily commuting.
- Comprehensive BPJS health and employment insurance coverage.
- Unlimited commission structure that rewards high achievers.
- Performance bonuses, annual anniversary awards, and festive holiday (Hari Raya) bonuses.
- Clear career progression roadmap, including opportunities for supervisory and managerial roles.
- Employment on a direct (non‑outsourcing) basis, providing job security and benefits continuity.
- Placement consideration based on the applicant’s domicile to reduce travel time.
- Standard working days: Monday‑Friday, 08:00‑17:00 (with occasional shift adjustments).
About Company
Our bank is a leading financial institution in Indonesia, recognized for its innovative credit products and commitment to financial inclusion. With a strong presence across East Kalimantan, we empower individuals and small businesses by providing accessible, affordable, and responsible lending solutions. Our corporate culture emphasizes integrity, teamwork, and continuous improvement, offering employees a supportive environment where talent is nurtured and achievements are celebrated. Join us to become part of a forward‑thinking organization that values your growth as much as the growth of our customers.
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