Introduction
PT. Bina Artha Ventura, a leading micro‑finance institution in Indonesia, is seeking a dynamic Branch Manager – Individual Lending for its Ajibarang branch. This role is pivotal in driving financial inclusion by delivering tailored loan products to individuals and small businesses in the region. The successful candidate will oversee daily branch operations, nurture a high‑performing team of Business Officers and cashiers, and ensure that lending targets are met while maintaining strict compliance with the company’s risk‑management policies. Applicants are invited to submit their applications through the online form at https://bit.ly/jobapplicationformhrwestbav.
Responsibilities
- Manage all daily branch activities, including loan processing, cash handling, and customer service, to guarantee smooth and efficient operations.
- Monitor and evaluate the performance of Business Officers (BO) and administrative staff on a regular basis, providing constructive feedback and coaching.
- Develop and execute business growth strategies for the branch, aligning with regional targets set by the Area and Branch Managers.
- Ensure that all sales and portfolio quality targets are achieved, and prepare consolidated reports for senior management.
- Maintain high standards of portfolio health by overseeing credit assessment, disbursement, and collection processes in accordance with SOPs.
- Actively resolve operational issues—both internal and external—by coordinating with the head office, field teams, and external partners to deliver timely solutions.
- Lead regular monitoring and reporting cycles, producing accurate performance dashboards that highlight key metrics such as loan approvals, delinquency rates, and revenue growth.
- Foster strong relationships with local community leaders, government agencies, and partner organizations to expand the branch’s reach and reputation.
- Promote a culture of compliance, risk awareness, and ethical conduct across the branch team.
- Plan and conduct staff training sessions on product knowledge, sales techniques, and regulatory updates to continuously improve team capability.
Requirements
- Minimum education: High School (SMA/SMK) or equivalent; higher education is a plus.
- At least 3 years of experience in micro‑finance or related financial services, with a proven track record of achieving lending targets.
- Strong leadership and team‑building abilities, capable of motivating staff to exceed performance standards.
- Excellent communication skills in Bahasa Indonesia and the ability to build rapport with both internal stakeholders and external customers.
- Result‑oriented mindset with a focus on achieving measurable outcomes.
- Proficiency in data acquisition, debt collection processes, and strategic planning.
- Possession of a valid motor vehicle license (SIM) and personal two‑wheel transportation for branch visits.
- Age not exceeding 35 years; all genders are welcome to apply.
- Flexibility to work Monday‑Friday, 08:00‑17:00, with occasional field visits outside standard hours.
Benefits
- Competitive base salary with performance‑based bonuses.
- Comprehensive health insurance for the employee and eligible dependents.
- Transport allowance and reimbursement for official travel.
- Professional development programs, including leadership workshops and industry certifications.
- Annual leave, sick leave, and public holiday entitlements in accordance with Indonesian labor law.
- Employee assistance program offering counseling and financial planning support.
- Opportunity to advance within a fast‑growing micro‑finance network with a clear career path.
About Company
PT. Bina Artha Ventura has been a cornerstone of Indonesia’s micro‑finance sector for over a decade, dedicated to empowering underserved communities through responsible lending. The company’s mission is to provide affordable credit, financial education, and support services that enable individuals and micro‑entrepreneurs to improve their livelihoods and contribute to local economic development. With a strong emphasis on risk management, compliance, and social impact, Bina Artha Ventura continues to expand its footprint across the country while maintaining a deep commitment to ethical banking practices.
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