Introduction
Koperasi BAGUS (Bersama Astha Guna Sejahtera) is a dynamic cooperative dedicated to financing and empowering micro, small, and medium enterprises (UMKM) across Indonesia. As part of our rapid expansion in the Lampung region, we are seeking a motivated Senior Officer – Credit Marketing who thrives in a field‑based environment, enjoys building relationships, and is driven by results. This role offers a clear path for career growth, comprehensive training, and an unlimited incentive structure that rewards high performance.
Responsibilities
- Actively promote and market our financing products through direct canvassing, home visits, and strategic use of social media platforms to reach a diverse client base.
- Conduct thorough field surveys and in‑depth interviews to evaluate the creditworthiness of prospective borrowers, verifying supporting documents and assessing financial stability.
- Prepare, input, and manage credit application data with precision, ensuring all paperwork is complete and compliant with internal SOPs and regulatory standards.
- Build and maintain strong relationships with consumers, motorcycle dealers, and other key partners to facilitate smooth loan processing and increase referral opportunities.
- Monitor the end‑to‑end credit approval cycle, ensuring adherence to company policies, timely follow‑up on incomplete dossiers, and proactive communication with applicants.
- Achieve and exceed monthly credit sales targets while maintaining a healthy, low‑risk loan portfolio.
- Provide clear education to borrowers about repayment schedules, installment structures, due dates, and the importance of timely payments.
- Collaborate with internal teams—including underwriting, collections, and marketing—to continuously improve product offerings and customer experience.
Requirements
- Minimum education: High School Diploma (SMA/SMK) or equivalent.
- Open to candidates of any gender; no age limit.
- Strong communication and negotiation skills with a natural ability to connect with people from varied backgrounds.
- Passion for field work, comfortable traveling within the assigned territory and meeting clients face‑to‑face.
- Possession of a personal vehicle and a valid SIM C (motorcycle license) is considered a valuable advantage.
- Result‑oriented mindset with proven ability to set, pursue, and achieve sales targets.
- Basic analytical skills for evaluating credit applications and financial documentation.
- Adaptability, quick learning, and a collaborative attitude to thrive in a fast‑moving cooperative environment.
Benefits
- Fixed allowance that provides financial stability.
- Unlimited sales incentives tied directly to individual performance, allowing high earners to significantly increase their income.
- Target‑achievement bonuses that reward consistent success.
- Structured career development programs, including mentorship, on‑the‑job training, and pathways to senior leadership roles.
- Comprehensive onboarding and continuous professional development workshops.
- Opportunities to attend industry seminars and networking events to broaden market knowledge.
- Supportive work culture that values initiative, integrity, and teamwork.
About Company
Koperasi BAGUS is a member‑owned financial cooperative focused on delivering affordable credit solutions and business development support to Indonesia’s vibrant UMKM sector. By leveraging a deep understanding of local markets and a commitment to social impact, we help entrepreneurs acquire assets, expand operations, and improve livelihoods. Our cooperative model ensures that profits are reinvested to strengthen member services, foster community growth, and sustain long‑term financial inclusion. Join us in Lampung and become part of a purpose‑driven organization where your contributions directly influence the prosperity of small businesses across the region.
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