Introduction
We are a dynamic micro‑finance organization operating in Nganjuk, dedicated to empowering individuals and small businesses through accessible loan products. To support our rapid growth and maintain our high standards of customer service, we are seeking a motivated Business Officer to join our field team. This role is ideal for recent graduates or professionals who are eager to develop a career in financial services, enjoy building relationships, and thrive in a results‑driven environment.
As a Business Officer, you will be the face of our brand in the community, responsible for identifying new loan prospects, evaluating their creditworthiness, and ensuring timely repayment collections. The position offers a competitive salary aligned with the regional UMK, a comprehensive benefits package, and a clear path to permanent employment after a 12‑month contract evaluation.
Responsibilities
- Prospect and acquire new loan customers in accordance with the company’s business plan and sales targets.
- Conduct thorough assessments of prospective borrowers, including character analysis, financial capability, and repayment capacity.
- Maintain detailed records of client interactions, credit evaluations, and loan agreements using the organization’s CRM system.
- Monitor loan performance, manage installment collection schedules, and follow up on overdue payments with professionalism and empathy.
- Provide on‑site support to clients, answering product‑related queries and guiding them through the application process.
- Collaborate with the regional sales manager to develop localized marketing strategies and community outreach programs.
- Report weekly and monthly performance metrics, highlighting successes, challenges, and opportunities for improvement.
- Participate in regular training sessions and mentorship programs to continuously improve product knowledge and sales techniques.
- Ensure compliance with internal policies, regulatory requirements, and ethical standards throughout all customer interactions.
Requirements
- Minimum education: Diploma (D3) or Bachelor’s degree (S1) in Business, Economics, Finance, or a related field. Candidates with a high school diploma (SMA/SMK) and relevant experience are also encouraged to apply.
- Strong communication skills in Bahasa Indonesia; ability to articulate complex financial concepts in simple terms.
- High level of integrity, honesty, and discipline; meticulous attention to detail in documentation and reporting.
- Self‑motivated with a proactive attitude; comfortable working independently in the field.
- Possession of a reliable personal vehicle is required for travel to client sites and branch locations.
- Fresh graduates are welcome; a willingness to learn and adapt quickly is essential.
- Basic proficiency with Microsoft Office and familiarity with CRM or loan management software is a plus.
- Gender: Open to all; the role values diversity and equal opportunity.
Benefits
- Base salary aligned with the regional Minimum Wage (UMK) for the placement area.
- Fuel allowance, mobile phone credit, and vehicle maintenance support.
- Comprehensive BPJS Kesehatan and BPJS Ketenagakerjaan coverage.
- Annual holiday allowance (THR) in accordance with local regulations.
- Performance‑based incentives and bonuses tied to loan acquisition and collection targets.
- Structured onboarding program, ongoing training, and mentorship for new hires.
- Potential for permanent employment after successful completion of a 12‑month contract evaluation.
- Standard working hours: Monday – Friday, 08:00 – 17:00, with a focus on work‑life balance.
About Company
Our company is a leading micro‑finance institution in the East Java region, committed to fostering financial inclusion for underserved communities. With a robust portfolio of loan products tailored to entrepreneurs, farmers, and households, we have helped thousands achieve their personal and business goals. Our mission is to deliver responsible, transparent, and customer‑centric financial services while maintaining strong risk management practices.
We pride ourselves on a collaborative culture that encourages innovation, continuous learning, and community engagement. By joining our team, you become part of a purpose‑driven organization that values each employee’s contribution to the broader goal of economic empowerment.
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