Introduction
Amartha, a leading micro‑finance institution focused on empowering underserved communities across Indonesia, is seeking enthusiastic and motivated individuals to join our field team as Business Partner – Wilayah Dumai. This role covers the districts of Batin Solapan, Kandis, Mandau, Minas, and Pinggir, and serves as a critical bridge between local households and Amartha’s innovative financing programs. The ideal candidate will be a dynamic communicator with a passion for economic development, ready to identify new client prospects, provide hands‑on support, and ensure that financing applications meet our rigorous standards.
The Business Partner will operate primarily in the field, conducting surveys, facilitating weekly member meetings, and collaborating closely with Amartha’s credit committee. This position offers a clear career path, competitive base salary plus incentives, and comprehensive benefits, including transportation support and accommodation where needed.
Responsibilities
- Identify and engage potential new borrowers across the assigned wilayah, presenting Amartha’s micro‑finance products and explaining eligibility criteria.
- Conduct in‑depth household economic assessments, gathering data on income, expenditures, and repayment capacity to inform financing decisions.
- Perform feasibility studies and credit analyses on loan applications, ensuring compliance with Amartha’s internal policies, risk frameworks, and regulatory requirements.
- Prepare detailed recommendation reports for the credit committee, highlighting strengths, weaknesses, and suggested loan terms.
- Accompany members to weekly group meetings, monitoring loan utilization, repayment behavior, and providing ongoing financial education.
- Maintain accurate field records in Amartha’s digital platform, updating client profiles, visit logs, and status of applications.
- Collaborate with internal teams—operations, risk, and product development—to relay market insights and help shape future service offerings.
- Serve as a trusted liaison between borrowers and Amartha, resolving queries, facilitating disbursements, and supporting post‑loan follow‑up.
- Promote financial literacy through community workshops, empowering households to improve budgeting, savings, and business planning.
- Travel regularly within the assigned districts, ensuring a visible and reliable presence for all client touch‑points.
Requirements
- Minimum education: Senior High School (SMA/SMK) or equivalent; candidates with a bachelor’s degree (S1) are highly preferred.
- Age limit: 28 years old maximum (the original posting also mentions up to 35 years; applicants must meet the stricter criterion).
- Gender: Open to all genders.
- Possession of a reliable two‑wheel motor vehicle for field travel.
- Willingness to work on‑site in the field, including occasional travel to other Amartha branches.
- Excellent interpersonal and communication skills, with the ability to build trust with rural households and internal stakeholders.
- Fresh graduates are welcome; relevant experience in micro‑finance, sales, community outreach, or a related field is a plus.
- Strong analytical mindset for evaluating loan applications and conducting feasibility studies.
- Ability to work independently, manage time effectively, and meet weekly reporting deadlines.
- Commitment to Amartha’s mission of financial inclusion and empowerment of low‑income communities.
Benefits
- Competitive base salary with performance‑based incentives.
- Clear career progression tracks – high‑performers can advance to senior field officer, regional supervisor, or specialist roles.
- Weekend holidays (Saturday and Sunday) to ensure work‑life balance.
- Transportation allowance or company‑provided motorbike to support field activities.
- Company‑provided accommodation (mess) when necessary, especially for candidates relocating to remote areas.
- Health insurance coverage and access to employee wellness programs.
- Professional development opportunities, including training on credit analysis, financial literacy, and community engagement.
- Team‑building events and recognition programs that celebrate outstanding field performance.
About Company
Founded in 2010, Amartha is Indonesia’s pioneering peer‑to‑peer micro‑finance platform, connecting socially‑responsible investors with micro‑entrepreneurs in rural and peri‑urban regions. By leveraging technology, data‑driven risk assessment, and a deep understanding of local market dynamics, Amartha provides affordable credit, savings solutions, and business coaching to millions of households. The organization prides itself on a culture of impact, transparency, and continuous learning, offering employees a purpose‑driven environment where every loan disbursed contributes to a tangible improvement in people’s lives.
Joining Amartha means becoming part of a fast‑growing, mission‑oriented team that values innovation, integrity, and community empowerment. If you are eager to make a difference while advancing your career in the micro‑finance sector, we encourage you to apply today.
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