Introduction
We are seeking a dedicated Petugas Penyaluran Kredit to join our dynamic credit distribution team. This role is pivotal in managing the end‑to‑end channeling process for loan applications, ensuring that documentation, compliance, and financial settlement are executed flawlessly. The ideal candidate will thrive in a fast‑paced environment, collaborate across multiple divisions, and contribute to the growth of our credit portfolio while maintaining the highest standards of risk management.
Responsibilities
- Monitor the full lifecycle of credit applications submitted through channeling schemes, from initial request to final disbursement.
- Verify the completeness and accuracy of all required documents, ensuring strict adherence to partnership agreements and regulatory standards.
- Coordinate closely with Credit Analysts, Collection officers, and the Finance department to streamline financing processes and resolve any bottlenecks.
- Track and evaluate the quality of the channeling credit portfolio, focusing on key performance indicators such as DPD (Days Past Due), NPL (Non‑Performing Loans), and overall outstanding balances.
- Prepare and present periodic performance reports that highlight channeling trends, risk exposures, and opportunities for improvement.
- Ensure that fund disbursement and settlement activities are executed within agreed Service Level Agreements (SLAs), minimizing delays for borrowers.
- Identify and pursue expansion opportunities for channeling partnerships in targeted geographic areas, supporting the company’s growth strategy.
- Promote and sell cash‑fund products to prospective clients, effectively communicating product benefits and eligibility criteria.
- Utilize advanced Microsoft Excel functions to create dashboards, perform data analysis, and support decision‑making processes.
- Maintain continuous communication with external partners, providing updates on application status and addressing any concerns promptly.
Requirements
- Minimum education: D3/D4, preferably a bachelor’s degree (S1) in Economics, Management, Accounting, or a related field.
- At least 1 year of professional experience in multifinance, banking, or a comparable credit‑related environment.
- Strong understanding of basic credit analysis concepts and financing partnership structures.
- Excellent attention to detail with proven data‑analysis capabilities.
- Demonstrated ability to collaborate across divisions and manage relationships with external partners.
- Proficiency in Microsoft Excel, including pivot tables, advanced formulas, and charting for reporting purposes.
- Effective communication skills in Bahasa Indonesia and, where applicable, English.
- Ability to work Monday through Saturday, 08:00‑17:00, with flexibility to handle occasional urgent matters.
- All genders are welcome to apply; diversity and inclusion are core company values.
- Competencies such as competitive analysis, sales performance analysis, and strategic accounting are advantageous.
Benefits
- Competitive salary package with performance‑based incentives.
- Comprehensive health insurance covering medical, dental, and vision care.
- Professional development allowance for certifications, workshops, and training.
- Generous annual leave entitlement plus additional days for religious observances.
- Transportation allowance or company‑provided vehicle for commuting.
- Team‑building activities, company outings, and a supportive workplace culture.
- Retirement savings plan with employer matching contributions.
- Access to an employee assistance program (EAP) for personal and professional support.
About Company
Our organization is a leading player in the multifinance and banking sector, renowned for innovative credit solutions and a customer‑centric approach. With a robust network of channeling partners across the region, we empower individuals and businesses to achieve their financial goals through tailored loan products. Our commitment to ethical lending, technology‑driven processes, and continuous improvement has earned us a reputation for reliability and excellence. Joining our team means becoming part of a forward‑thinking company that values integrity, collaboration, and the professional growth of every employee.
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