Introduction
Adira Finance Cabang Tabet & Kelapa Gading is seeking a dynamic and results‑driven Credit Marketing Officer (CMO) to join our field team. The successful candidate will act as the front‑line ambassador of our financing products, which include motor, automobile, and multi‑purpose loans. Working Monday through Saturday from 08:00 to 17:00, the CMO will be responsible for generating new business, assessing borrower eligibility, and shepherding applications through to disbursement while maintaining strong relationships with dealers, agents, and customers.
Responsibilities
- Market Expansion: Identify and attract new consumers, cultivate a robust network of dealers and partners, and proactively promote Adira’s financing solutions.
- Customer Survey & Credit Analysis: Conduct on‑site visits to prospective borrowers’ homes or businesses, gather financial information, and evaluate creditworthiness using internal scoring models.
- Application Processing: Collect and verify all required documentation, input data into the loan management system, and ensure each file meets compliance standards before forwarding to the credit approval team.
- Progress Monitoring: Track each application’s status from submission through approval and disbursement, providing timely updates to customers and internal stakeholders.
- Relationship Management: Build and sustain trust‑based relationships with dealers, agents, and end‑customers, acting as the primary point of contact for any queries or concerns.
- Reporting & Target Achievement: Prepare daily and weekly performance reports, analyze sales trends, and consistently meet or exceed assigned sales targets.
- Continuous Improvement: Gather market feedback, suggest product enhancements, and participate in regular training sessions to stay current with regulatory changes and industry best practices.
Requirements
- Education: Minimum D3/D4 degree in Business, Finance, Economics, or a related field.
- Age: Maximum 29 years old.
- Gender: Male (as specified by the posting).
- Experience: Fresh graduates are welcome; however, any prior exposure to sales, banking, or credit evaluation is a plus.
- Core Skills:
- Excellent verbal and written communication abilities.
- Strong interpersonal skills for interacting with diverse stakeholders.
- Basic knowledge of financial law and credit regulations.
- Marketing acumen and the ability to pitch financing solutions persuasively.
- Quick adaptability to changing market conditions.
- Effective time‑management and organizational capabilities.
- Technical Proficiency: Familiarity with MS Office, especially Excel, and comfort using loan management software.
- Valid driver’s license and willingness to travel within the assigned territory.
Benefits
- Competitive base salary with performance‑based commissions.
- Comprehensive health insurance (medical, dental, vision).
- Transport allowance or company‑provided vehicle for field visits.
- Professional development programs, including certification courses in credit analysis and sales techniques.
- Clear career progression path toward senior credit officer or branch manager roles.
- Paid holidays, annual leave, and additional leave for religious observances.
- Employee recognition awards for top performers.
About Company
Adira Finance is a leading consumer financing institution in Indonesia, serving millions of customers across the archipelago. With a focus on motor, automobile, and multi‑purpose loans, Adira empowers individuals and small businesses to achieve their mobility and growth aspirations. Our mission is to provide accessible, transparent, and responsible financing solutions while fostering a culture of integrity, innovation, and customer‑centricity. As part of our expanding network, the Credit Marketing Officer will play a crucial role in driving growth and reinforcing our reputation for excellence in the financial services sector.
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