Introduction
We are seeking an energetic and results‑driven Branch Manager – Group Lending (Baki) to lead our micro‑finance operations at the district and village level. The successful candidate will act as the primary liaison between our corporate headquarters and the local community, driving product awareness, loan acquisition, and team performance. This role is pivotal in expanding our financial inclusion footprint while maintaining rigorous compliance with internal service‑level agreements (SLAs) and external regulatory standards.
Responsibilities
- Conduct on‑site surveys and deliver engaging product and company presentations to potential borrowers across kecamatan and desa areas.
- Coordinate and confirm meeting schedules with group borrowers (kumpulan), ensuring all sessions are properly documented and follow‑up actions are assigned.
- Monitor, coach, and evaluate the performance of the branch team, providing constructive feedback and setting clear performance targets.
- Compile and communicate daily loan realization forecasts, partner counts, and real‑time financing needs to senior management and branch staff in line with agreed SLAs.
- Perform periodic field visits to all registered borrower groups to assess loan usage, repayment behavior, and emerging risks.
- Prepare comprehensive monthly branch reports covering loan disbursement, collection rates, portfolio quality, and operational challenges.
- Lead weekly branch meetings to review key metrics, celebrate successes, address bottlenecks, and develop action plans for the upcoming week.
- Ensure strict adherence to internal controls, anti‑money‑laundering policies, and local banking regulations.
- Collaborate with product development, marketing, and risk teams to tailor loan packages that meet the unique needs of micro‑entrepreneurs.
- Maintain an up‑to‑date knowledge base of market trends, competitor activities, and regulatory changes affecting micro‑finance.
Requirements
- Minimum education: SMA/SMK or equivalent; any vocational stream is acceptable.
- Maximum age: 35 years.
- At least 2 years of experience in micro‑finance, small‑business lending, or related banking services.
- Minimum 2 years of supervisory or team‑lead experience, demonstrating the ability to motivate and develop staff.
- Strong leadership qualities, excellent communication skills, high discipline, and unwavering integrity.
- Possession of a valid motorbike (Sepeda Motor) and SIM C for field mobility.
- Proficiency in administrative tasks, data acquisition, debt collection processes, and strategic team leadership.
- Ability to work Monday‑Friday, 08:00‑17:00, with occasional travel to remote villages.
- Fluency in Bahasa Indonesia; proficiency in English is a plus.
To apply, please submit your application through the following link: https://bit.ly/jobapplicationformhrwestbav.
Benefits
- Competitive base salary with performance‑based bonuses.
- Comprehensive health, dental, and vision insurance for employee and eligible dependents.
- Paid annual leave, sick leave, and public holidays.
- Professional development stipend for training, certifications, and conferences.
- Company‑provided motorbike allowance and fuel reimbursement.
- Retirement savings plan (DPLK) with employer matching contributions.
- Opportunity to make a tangible social impact by empowering micro‑entrepreneurs.
- Supportive work environment that values teamwork, innovation, and ethical conduct.
About the Company
Our organization is a leading micro‑finance institution dedicated to fostering financial inclusion across Indonesia’s most underserved regions. With a robust portfolio of group lending products, we empower small‑scale entrepreneurs, agricultural cooperatives, and informal traders to grow their businesses and improve livelihoods. Leveraging cutting‑edge risk‑assessment technology and a deep understanding of local market dynamics, we deliver responsible financing solutions while maintaining a strong commitment to transparency, sustainability, and community development.
Join us and become part of a mission‑driven team that combines entrepreneurial spirit with rigorous banking standards, all while contributing to the economic resilience of the communities we serve.
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