Introduction
Amartha, a leading micro‑finance platform in Indonesia, is seeking enthusiastic and driven individuals to join our field team as Business Partner – Staff Lapangan Majalengka Raya (Cigasong). This role is pivotal in expanding our network of borrowers, providing on‑site economic support, and ensuring the smooth administration of loan applications. Candidates will work directly with households, helping them access capital, improve their financial literacy, and achieve sustainable growth. The position offers a competitive base salary, performance incentives, and a clear pathway to leadership within our rapidly expanding organization.
Responsibilities
- Identify and engage potential new borrowers in the Majalengka Raya region, promoting Amartha’s micro‑loan programs and explaining eligibility criteria.
- Conduct comprehensive household economic assessments, gathering data on income, expenses, assets, and repayment capacity.
- Perform on‑site surveys and feasibility analyses of loan applications, ensuring compliance with internal policies, risk standards, and regulatory requirements.
- Prepare detailed reports and recommendation documents for the credit underwriting team, highlighting strengths and potential risks.
- Facilitate the full loan disbursement process, including documentation collection, verification, and coordination with the operations department.
- Manage the collection cycle by contacting borrowers, negotiating repayment schedules, and following up on overdue accounts while maintaining respectful client relationships.
- Provide ongoing financial coaching and mentorship to borrowers, helping them develop budgeting skills, improve cash flow, and expand their businesses.
- Maintain accurate field records in Amartha’s digital platform, updating client profiles and transaction histories in real time.
- Collaborate with local community leaders, cooperatives, and NGOs to build trust and foster a supportive ecosystem for micro‑entrepreneurs.
- Participate in regular training sessions, share best practices with teammates, and contribute ideas for improving field operations.
Requirements
- Minimum education: High School (SMA/SMK) or equivalent.
- Age between 18 and 30 years (maximum 33 years acceptable for experienced candidates).
- All genders are welcome; women are preferred but not required.
- Own reliable motor vehicle or transportation means to travel daily across the assigned area.
- Strong personal integrity, honesty, attention to detail, and a disciplined work ethic.
- Excellent communication skills in Bahasa Indonesia; ability to build rapport with diverse community members.
- Resilience and toughness to work outdoors in varied weather conditions and manage a demanding schedule.
- Basic digital literacy – comfortable using mobile apps and data entry tools for loan processing.
- No prior experience required; however, any background in sales, community outreach, or finance is advantageous.
Benefits
- Competitive base salary starting from IDR 3,500,000 per month plus performance‑based incentives.
- Annual holiday allowance (THR) and periodic bonus schemes tied to individual and team achievements.
- Clear career progression with opportunities to advance to team leader or supervisory roles.
- Conversion to permanent employee status after a successful probation period.
- Employee loan program offering preferential rates for personal development or emergency needs.
- Continuous learning initiatives, including workshops, certifications, and mentorship programs.
- Company‑provided mess (on‑site accommodation) to reduce commuting time and cost.
- Health and safety support, including medical insurance and regular wellness activities.
- Access to a supportive community of peers and senior managers who champion professional growth.
About Company
Amartha is a pioneer in Indonesia’s financial inclusion movement, connecting micro‑entrepreneurs—especially women—in underserved regions with capital from a network of impact investors. Established in 2010, the company leverages technology, data analytics, and a deep understanding of local markets to deliver affordable loans that empower families to grow their businesses, improve living standards, and break the cycle of poverty. With a mission to democratize access to finance, Amartha operates across multiple provinces, fostering sustainable economic development through transparent, responsible lending practices. Joining Amartha means becoming part of a purpose‑driven organization that values integrity, innovation, and community impact.
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