Introduction
PT. Bina Artha Ventura, a reputable financing institution serving Central Java (Jateng) and the Special Region of Yogyakarta (DIY), is seeking enthusiastic and community‑focused individuals to join our team as Petugas Lapangan Operasional (Account Officer) – Wilayah Tegal. This role is a field‑based, service‑oriented position that empowers local women entrepreneurs to grow their micro‑businesses through group financing. The successful candidate will become part of a supportive family that values performance, professional growth, and social impact.
Responsibilities
- Identify and recruit prospective partners, primarily women from low‑ to middle‑income backgrounds who are eager to start or expand a small business.
- Organize and facilitate the formation of productive groups, each consisting of approximately ten women, to enable collective borrowing and mutual support.
- Assess creditworthiness, prepare loan proposals, and disburse working‑capital loans tailored to the specific needs of each group.
- Provide continuous coaching and business development guidance, helping partners implement sound financial practices, marketing strategies, and operational improvements.
- Maintain strong, trust‑based relationships with partners, acting as their primary point of contact for queries, challenges, and opportunities.
- Collect installment payments on a bi‑weekly basis, coordinating meetings, verifying receipts, and updating the loan management system accurately.
- Document field activities, prepare progress reports for senior management, and contribute insights that help refine the financing model.
- Participate in regular training sessions, sharing best practices with fellow Account Officers and staying current on regulatory changes in micro‑finance.
Requirements
- Minimum education: SMA/SMK or an equivalent diploma.
- Age limit: up to 32 years old.
- All genders are welcome to apply.
- No prior work experience is required; fresh graduates with the right attitude are encouraged to apply.
- Strong communication skills, with the ability to engage and motivate community members.
- Basic marketing aptitude and problem‑solving abilities to assist partners in overcoming business challenges.
- Willingness to work Monday through Friday, 08:00‑17:00, and travel within the Tegal region.
- Proficiency in using smartphones and basic office software for data entry and reporting.
Benefits
- Competitive base salary above the regional Minimum Wage (UMK) plus performance‑based incentives paid monthly and semi‑annually.
- Clear path to permanent employment through regular performance reviews.
- Annual Holiday Allowance (Tunjangan Hari Raya) to support festive celebrations.
- Comprehensive BPJS health and employment protection coverage.
- Daily fuel allowance and a monthly motorcycle service stipend to ease commuting costs.
- Monthly phone credit allowance to stay connected with partners and the office.
- Structured training programs and a transparent career ladder that reward dedication and results.
About Company
PT. Bina Artha Ventura specializes in providing micro‑finance solutions to underserved communities, focusing on empowering women entrepreneurs through group lending. Our mission is to stimulate local economies by offering accessible capital, mentorship, and a supportive network. We pride ourselves on a culture of integrity, collaboration, and continuous learning. Prospective candidates can watch a detailed overview of the Account Officer role here: AO Position Video.
The recruitment process is straightforward and fee‑free, consisting of an HR interview followed by a user interview. Interested applicants should submit their application through the link: bit.ly/pelamar-bav. Join us and become part of PT. Bina Artha Ventura’s growing family, where your work directly contributes to the prosperity of local families and the broader regional economy.
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