Introduction
Amartha, a leading micro‑finance institution in Indonesia, is expanding its field operations in the Majalengka Panyingkiran area. We are seeking motivated and community‑focused individuals to join our team as Business Partner Staff – Lapangan. This role is ideal for recent graduates or energetic professionals who are passionate about financial inclusion, enjoy direct customer interaction, and are ready to make a tangible impact on the livelihoods of households in the region.
The Business Partner Staff will serve as the frontline ambassador of Amartha’s loan‑program, identifying new borrowers, guiding them through the application process, and ensuring timely repayment. The position offers a competitive salary, performance incentives, and a clear pathway toward leadership roles within the organization.
Responsibilities
- Prospect and acquire new micro‑entrepreneur and household clients by conducting outreach activities, community events, and personal visits.
- Educate potential borrowers on Amartha’s loan products, eligibility criteria, and the benefits of participating in a cooperative‑based financing model.
- Perform in‑depth household economic assessments, gathering data on income streams, expenses, and repayment capacity.
- Prepare and submit financing applications, ensuring all documentation complies with Amartha’s internal policies, risk‑assessment procedures, and regulatory standards.
- Conduct feasibility studies and credit analyses to determine loan eligibility, using both quantitative tools and qualitative judgment.
- Maintain regular follow‑up with active borrowers, offering financial coaching, monitoring loan utilization, and providing solutions to any repayment challenges.
- Execute collection activities, including reminder calls, home visits, and coordinated payment plans, while adhering to ethical and respectful practices.
- Document all client interactions in Amartha’s CRM system, generating reports that inform regional performance metrics.
- Collaborate with regional supervisors, product managers, and training coordinators to continuously improve service delivery and client satisfaction.
- Travel daily within the assigned territory, using personal transportation to reach remote villages and ensure coverage of the entire service area.
Requirements
- Education: Minimum high school diploma (SMA/SMK) or equivalent.
- Age: Candidates must be between 18 and 33 years old (preferred range 18‑30).
- Gender: Open to all genders; female candidates are given preference due to community dynamics.
- Vehicle: Ownership of a reliable personal vehicle (motorcycle or car) is required for daily field visits.
- Experience: No prior work experience is mandatory; however, previous involvement in sales, community outreach, or micro‑finance is advantageous.
- Core Competencies: High integrity, honesty, attention to detail, strong communication skills, resilience, and disciplined work habits.
- Technical Skills: Basic digital literacy, ability to use mobile applications for data entry, and familiarity with simple financial analysis.
- Availability: Must be willing to work on‑site in the field Monday‑Friday, 08:00‑17:00, with occasional weekend activities for community events.
Benefits
- Competitive base salary starting at IDR 3.5 million per month, plus performance‑based incentives.
- Annual THR (religious holiday allowance) and quarterly bonuses tied to collection and acquisition targets.
- Clear career progression path, with opportunities to advance to team leader or regional supervisor roles.
- Conversion to permanent employment after successful probation, providing job security and additional benefits.
- Employee loan program offering preferential rates for personal financing needs.
- Continuous learning and development programs, including financial‑literacy workshops and leadership training.
- Company‑provided accommodation (mess) for staff who relocate to the work area.
- Health insurance coverage, transportation allowance, and mobile phone stipend.
- Recognition awards for top performers and team achievements.
About Company
Amartha is a pioneer in Indonesia’s micro‑finance sector, dedicated to empowering low‑income households and micro‑entrepreneurs through inclusive, technology‑enabled lending solutions. Since its founding, Amartha has built a robust network of over 200,000 borrowers and thousands of impact investors, fostering sustainable economic growth in underserved regions.
Our mission is to bridge the financing gap for the “unbanked” by offering transparent, fair, and affordable credit products. We combine data‑driven risk assessment with on‑the‑ground relationship building, ensuring that borrowers receive not only capital but also the advisory support needed to succeed. Joining Amartha means becoming part of a purpose‑driven organization that values integrity, innovation, and community impact.
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