Introduction
YCAB Ventures, the social‑business arm of Yayasan Cinta Anak Bangsa (YCAB), is dedicated to fostering economic empowerment and financial inclusion across Indonesia. As a regulated entity under the Otoritas Jasa Keuangan (OJK), we provide micro‑finance solutions that help small entrepreneurs, informal workers, and families access affordable credit. We are currently looking for a dynamic Account / Relationship Officer to join our Magelang office. This full‑time position (PKWT) offers a chance to work in a fast‑paced, impact‑driven environment where your ability to build relationships and meet targets directly contributes to community development.
Responsibilities
- Identify and prospect potential clients or borrower groups in the Magelang region by conducting market research, networking events, and community outreach.
- Conduct face‑to‑face meetings with prospects, clearly explaining financing products, eligibility criteria, interest rates, repayment schedules, and any applicable terms and conditions.
- Organize and facilitate the formation of borrower groups, performing preliminary surveys to assess creditworthiness and business viability.
- Prepare complete loan documentation, ensuring all required forms, identification, and supporting financial statements are accurate before forwarding them to the Outlet Manager and Central Administration for review.
- Coordinate with internal underwriting teams to evaluate loan applications, monitor the disbursement process, and confirm that funds are released in accordance with policy.
- Manage the collection process by receiving installment payments, recording transactions, and following up on any overdue accounts while maintaining a courteous and professional demeanor.
- Maintain a detailed client database, updating contact information, repayment status, and any changes in business conditions to support ongoing portfolio monitoring.
- Collaborate with the marketing and product development teams to provide feedback from the field, helping to refine product offerings and improve service delivery.
- Report daily and weekly activity metrics—such as new leads, applications submitted, approvals, and collections—to senior management, ensuring transparency and data‑driven decision making.
Requirements
- Minimum education: High School (SMA/SMK) or equivalent; a diploma or bachelor’s degree in business, finance, or a related field is a plus.
- Maximum age: 33 years (fresh graduates are encouraged to apply).
- At least 1 year of experience in sales, credit underwriting, loan collection, or micro‑finance (experience with Grameen‑style institutions is highly valued).
- Strong communication and negotiation skills, with the ability to explain complex financial concepts in simple terms.
- Self‑motivated, target‑oriented, and able to work independently while meeting strict deadlines.
- Possession of a valid motorcycle license (SIM C) and personal motorcycle for field visits.
- High integrity, honesty, attention to detail, and a resilient, disciplined work ethic.
- Proficiency in basic computer applications (MS Office, email) and familiarity with CRM or loan management software is advantageous.
Benefits
- Competitive base salary plus a fixed allowance that exceeds the local Minimum Wage (UMK) for Magelang.
- Performance‑based incentives and commissions tied to loan disbursement and collection targets.
- Comprehensive social security coverage: BPJS Kesehatan, BPJS Ketenagakerjaan, and statutory THR.
- Accidental insurance and additional health benefits to safeguard you and your family.
- Professional development opportunities, including training on financial products, sales techniques, and leadership skills.
- Dynamic, purpose‑driven work culture that emphasizes social impact and teamwork.
- Standard working hours: Monday‑Friday, 08:00 – 17:00, with a clear work‑life balance.
About Company
YCAB Ventures operates as a socially‑responsible financial services provider, aiming to bridge the credit gap for underserved populations. By partnering with local cooperatives, community leaders, and government programs, we design micro‑loans that empower small entrepreneurs to grow their businesses, create jobs, and improve household welfare. Our portfolio spans agriculture, trade, services, and renewable energy projects, all guided by rigorous risk management and a commitment to ethical lending. As part of the broader YCAB ecosystem, employees enjoy a supportive network, access to mentorship from seasoned industry professionals, and the satisfaction of contributing to Indonesia’s inclusive economic development.
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