Introduction
PT Bina Artha Ventura, a leading micro‑finance institution in Sumatra, is expanding its field operations in Baturaja Timur (OKU). We are seeking dynamic and service‑oriented individuals to join our team as Petugas Lapangan Baturaja Timur – Account Officer (AO). This role is a front‑line position that combines community outreach, business development, and financial advisory to empower women entrepreneurs from low‑to‑middle income backgrounds. The successful candidate will work Monday to Friday, from 08:00 to 17:00, and will be a crucial link between our financing products and the grassroots market.
Responsibilities
- Identify and approach potential partner women (Ibu‑Ibu) who are interested in starting or expanding a small business.
- Organize and facilitate the formation of productive groups, typically comprising ten members, to enable collective borrowing and mutual support.
- Assess creditworthiness, prepare loan proposals, and disburse micro‑loans tailored to the specific needs of each group.
- Provide ongoing coaching and mentorship, helping partners develop business plans, manage cash flow, and improve operational efficiency.
- Maintain strong, trust‑based relationships with partners through regular field visits, community events, and transparent communication.
- Collect loan repayments on a bi‑weekly schedule, ensuring accurate record‑keeping and timely reporting to the back‑office.
- Collaborate with internal teams—risk, underwriting, and compliance—to resolve any issues that arise during the loan lifecycle.
- Prepare weekly and monthly performance reports, highlighting achievements, challenges, and opportunities for portfolio growth.
- Participate in continuous training programs to stay updated on financial products, regulatory changes, and best practices in community financing.
- Promote the company’s brand and values in the field, acting as an ambassador for PT Bina Artha Ventura.
Requirements
- Minimum education: SMA/SMK or equivalent.
- Maximum age: 30 years.
- All genders are welcome to apply.
- No prior professional experience required; fresh graduates with a strong motivation to serve the community are encouraged.
- Excellent communication skills and the ability to build rapport quickly.
- Basic marketing acumen to promote financing solutions to potential partners.
- Problem‑solving mindset with a proactive approach to overcoming obstacles.
- Good numeracy and basic financial literacy to assess loan applications.
- Reliability, integrity, and a genuine passion for empowering women entrepreneurs.
- Willingness to travel within the Baturaja Timur district and work independently in the field.
Benefits
- Competitive base salary that exceeds the regional Minimum Wage (UMK) plus performance‑based incentives paid monthly and semi‑annually.
- Six‑month review cycle leading to permanent employment status for high‑performing staff.
- Annual religious holiday allowance (Tunjangan Hari Raya).
- Comprehensive BPJS health and employment coverage.
- Daily fuel allowance to support field mobility.
- Monthly motorcycle service allowance to keep transportation reliable.
- Monthly mobile phone credit to ensure constant connectivity with partners.
- Structured training programs and clear career progression pathways within the organization.
- Opportunity to make a tangible social impact by empowering women‑led micro‑enterprises.
About Company
PT Bina Artha Ventura is a reputable financing institution dedicated to fostering inclusive economic growth across Sumatra. Our core mission is to provide affordable credit and supportive services to underserved communities, especially women who represent a powerful engine of grassroots entrepreneurship. By leveraging a blend of innovative financial products, rigorous risk management, and community‑centric outreach, we aim to create sustainable livelihoods and strengthen local economies.
The company invests heavily in employee development, offering regular workshops, mentorship, and a transparent promotion system. Our culture emphasizes integrity, collaboration, and a deep respect for the communities we serve. Joining PT Bina Artha Ventura means becoming part of a family that values both professional excellence and social responsibility.
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