Introduction
PT. Amartha Micro Fintek is a fast‑growing digital‑banking institution that specializes in providing micro‑finance solutions to women‑owned micro‑small enterprises in rural Indonesia. The company’s mission is to empower village‑level entrepreneurs by offering affordable credit, financial education, and ongoing business support. We are currently seeking a motivated Business Partner (Sales & Collections) to join our team in Kaliwungu, Kendal. This role is ideal for candidates who are passionate about community development, have strong interpersonal skills, and can thrive in a results‑driven environment.
Responsibilities
- Identify and prospect new potential borrowers, focusing on women entrepreneurs who meet Amartha’s eligibility criteria.
- Conduct in‑depth household economic assessments and provide tailored financial counseling to help clients understand loan terms and repayment schedules.
- Perform field surveys, gather necessary documentation, and evaluate creditworthiness against the company’s risk‑assessment framework and regulatory policies.
- Prepare comprehensive loan proposals and present them to the credit committee, highlighting the strengths and potential risks of each application.
- Facilitate weekly group meetings with borrower collectives, ensuring transparent communication, timely disbursement of funds, and coordinated repayment efforts.
- Monitor repayment performance, follow up on overdue installments, and implement collection strategies that balance empathy with fiscal responsibility.
- Maintain accurate records in the CRM system, generate regular performance reports, and provide insights for continuous improvement of the lending process.
- Collaborate with internal teams—including product development, risk management, and customer service—to enhance the overall borrower experience.
- Represent Amartha at community events, local fairs, and partner meetings to strengthen brand awareness and build long‑term relationships.
Requirements
- Minimum education: High School Diploma (SMA/SMK) or equivalent.
- Age: 21 – 30 years old.
- Gender: Open to all genders; the role serves primarily female borrowers.
- At least 1 year of experience in sales, micro‑finance, field collection, or a related customer‑facing role.
- Strong understanding of basic financial concepts and loan application processes.
- Excellent communication and negotiation skills, with the ability to build trust in rural communities.
- Proficiency in using mobile applications and basic office software (MS Office, Google Workspace).
- Self‑motivated, goal‑oriented, and able to work independently under minimal supervision.
- Valid driver’s license and willingness to travel within the assigned territory.
Benefits
- Competitive monthly salary with performance‑based incentives.
- Health insurance (BPJS Kesehatan) and work injury coverage (BPJS Ketenagakerjaan).
- Paid annual leave, public holidays, and sick leave in accordance with Indonesian labor law.
- Professional development programs, including finance‑industry certifications and leadership workshops.
- Company‑provided laptop, smartphone, and a fuel allowance for field visits.
- Team‑building activities, community service outings, and an inclusive workplace culture.
- Opportunity to make a tangible social impact by supporting women‑run micro‑enterprises.
About Company
Founded in 2015, PT. Amartha Micro Fintek has quickly become a leader in Indonesia’s digital micro‑finance sector. Leveraging technology and data‑driven analytics, Amartha connects underserved women entrepreneurs with the capital they need to grow their businesses, increase household income, and lift entire villages out of poverty. The company operates on a peer‑to‑peer lending model, partnering with local community facilitators to ensure that every loan is responsibly managed and that borrowers receive ongoing mentorship. With a strong commitment to transparency, financial inclusion, and sustainable development, Amartha continues to expand its footprint across rural regions while maintaining a focus on high‑impact, community‑centric solutions.
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