Introduction
PT Kobus Smart Service, a dynamic player in the Indonesian financial services sector, is actively seeking motivated individuals to join its growing team in Central Java. We are hiring for two critical roles: Credit Marketing Officer (CMO) and Field Collection Officer. Both positions are essential to our mission of expanding credit outreach while maintaining disciplined receivable management across the Tegal, Brebes, and surrounding regions. Whether you are a fresh graduate eager to start a career in finance or an experienced professional looking for a new challenge, this opportunity offers a clear pathway to professional growth, competitive compensation, and hands‑on experience in a fast‑moving market.
Responsibilities
While the exact duties differ between the Credit Marketing Officer and the Field Collection Officer, the core responsibilities share a common focus on customer engagement, risk assessment, and revenue protection.
- Credit Marketing Officer (CMO)
- Identify and prospect potential corporate and retail clients for credit products.
- Conduct market surveys, credit analyses, and feasibility studies to evaluate borrower eligibility.
- Prepare and present tailored financing proposals, ensuring alignment with company risk policies.
- Collaborate with product development and underwriting teams to refine credit offerings.
- Maintain a pipeline of leads using CRM tools, and achieve monthly acquisition targets.
- Represent PT Kobus at local business events, fostering brand awareness and strategic partnerships.
- Field Collection Officer
- Visit assigned territories to engage directly with delinquent borrowers.
- Negotiate repayment plans, settlements, or restructuring options while adhering to compliance standards.
- Document collection activities, update account status, and report key metrics to the credit control manager.
- Coordinate with legal and risk teams for escalated cases requiring formal action.
- Build and sustain positive relationships with clients to improve future credit performance.
- Provide on‑the‑ground market intelligence that informs credit policy adjustments.
Requirements
Applicants must meet the following baseline qualifications and demonstrate the soft skills necessary for success in a field‑oriented financial environment.
- Education: Minimum high school diploma (SMA/SMK) or equivalent.
- Age: No strict upper limit; we value capability over chronology.
- Gender: Open to all genders.
- Experience:
- CMO – prior experience in sales, marketing, account management, or field surveying (fresh graduates are also welcomed).
- Field Collection – background in collection, accounts receivable, debt recovery, or related functions (fresh graduates accepted).
- Transportation: Ownership of a personal motorbike and a valid SIM C.
- Core competencies:
- Excellent verbal and written communication skills.
- Strong negotiation and persuasion abilities.
- Team‑oriented mindset combined with the capacity to work independently.
- Result‑driven attitude with a focus on meeting targets.
- Adaptability to rapidly changing market conditions.
- Ability to coordinate field activities and manage multiple stakeholder relationships.
- Location: Placement within Central Java (Tegal, Brebes, Pekalongan, Batang, Cilacap, Majenang, Purwokerto, Purbalingga, or nearby areas). Assignment will be aligned with the candidate’s domicile.
Benefits
PT Kobus Smart Service offers a comprehensive benefits package designed to support both the professional and personal well‑being of its employees.
- Competitive regional salary (UMR/UMK) reflective of local market standards.
- Statutory health insurance (BPJS Kesehatan) and employment insurance (BPJS Ketenagakerjaan).
- Performance‑based incentives and operational allowances.
- Clear career progression framework with opportunities for promotion to senior sales, credit analysis, or supervisory roles.
- Professional development programs, including workshops on credit risk, negotiation techniques, and digital marketing tools.
- Flexible working hours (typical schedule 08:00 – 17:00) with the possibility of adjusted shifts based on operational needs.
- Supportive work environment that encourages teamwork, continuous learning, and community involvement.
About Company
Founded in 2015, PT Kobus Smart Service has rapidly become a trusted name in credit provision and financial solutions across Indonesia. Our portfolio spans micro‑enterprise financing, consumer loans, and specialized credit products tailored for the agricultural and manufacturing sectors of Central Java. By leveraging advanced analytics, localized market expertise, and a customer‑centric philosophy, we aim to stimulate economic growth while ensuring responsible lending practices.
Our corporate culture is built on integrity, innovation, and inclusivity. Employees are empowered to take ownership of their projects, contribute ideas that shape our product roadmap, and engage with communities to foster financial literacy. As we expand our footprint, we remain committed to investing in talent that shares our vision of creating sustainable credit pathways for individuals and businesses alike.
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