Introduction
The Regional Relationship Officer (RRO) for Garut will act as the front‑line ambassador of BCA Finance in the West Java region. This role is centred on expanding the bank’s product reach, cultivating strong partnerships, and delivering tailored financial solutions to both existing and prospective customers. As a field‑oriented position, the RRO will spend the majority of the work week traveling across Garut and its surrounding districts, engaging directly with merchants, micro‑enterprises, and individual borrowers. The successful candidate will thrive in a dynamic environment, balance analytical tasks with relationship‑building, and contribute to the achievement of BCA Finance’s sales and market‑share targets. The position reports to the Branch Manager at the BCA Finance Garut branch and adheres to the standard work schedule of Monday‑Friday, 08:30 – 17:30.
Responsibilities
- Promote BCA Finance’s portfolio of loan, credit, and savings products through on‑site presentations, product demonstrations, and community outreach events.
- Identify and develop new distribution channels by establishing relationships with local businesses, cooperatives, and trade associations.
- Conduct thorough field surveys to assess the creditworthiness and financial needs of prospective borrowers, gathering quantitative and qualitative data for underwriting.
- Perform detailed eligibility analyses, preparing concise reports that support the credit approval process while complying with the Personal Data Protection Act (UU No. 27/2022).
- Collaborate with internal sales, underwriting, and risk‑management teams to ensure seamless hand‑over of qualified leads and to meet monthly sales quotas.
- Maintain a robust pipeline of prospects, updating the CRM system regularly and providing accurate forecasts to branch leadership.
- Represent BCA Finance at local events, seminars, and networking forums to raise brand awareness and position the institution as a trusted financial partner.
- Provide after‑sale support, following up with customers to ensure satisfaction, address issues, and encourage repeat business.
- Adhere to all compliance standards, including data‑privacy regulations, and submit required documentation in a timely manner.
- Continuously monitor market trends, competitor activities, and emerging customer needs to propose strategic adjustments to product offerings.
Requirements
- Minimum educational attainment: D3/D4; a Bachelor’s degree (S1) in any discipline is preferred.
- Academic performance: GPA of at least 2.50 on a 4.00 scale.
- Age: No upper limit; the role welcomes candidates of all ages who demonstrate the required competencies.
- Gender: Open to all genders.
- Professional experience: Fresh graduates are welcome, though prior experience in sales, banking, or field marketing is a plus.
- Strong communication skills, both verbal and written, with the ability to convey complex financial concepts in simple terms.
- Analytical mindset: capable of interpreting consumer data, performing credit assessments, and generating actionable insights.
- Proactive, self‑motivated, and comfortable working independently in a field environment.
- Valid Indonesian driver’s license (SIM C) and ownership of a reliable motorcycle for daily travel within Garut and nearby districts.
- Residency: Must be domiciled in Garut or surrounding areas to ensure quick response times and deep community knowledge.
- Commitment to adhere to BCA Finance’s data‑protection policies and consent to the use of personal data for recruitment purposes.
Benefits
- Competitive base salary with performance‑based incentives tied to sales targets.
- Health insurance coverage for employee and eligible dependents.
- Transportation allowance or fuel reimbursement to support field activities.
- Professional development programs, including sales certification and leadership workshops.
- Paid annual leave, public holidays, and additional days off for religious observances.
- Access to BCA Finance’s employee assistance program and wellness initiatives.
- Opportunity for career progression within the BCA Finance network, potentially leading to supervisory or regional management roles.
About Company
BCA Finance is a leading non‑bank financial institution in Indonesia, offering a comprehensive suite of consumer and micro‑enterprise financing solutions. Backed by the strength and reputation of PT Bank Central Asia Tbk, BCA Finance serves millions of customers across the archipelago, focusing on responsible lending, digital innovation, and community development. The organization places a high priority on data security, ethical conduct, and compliance with national regulations, including the Personal Data Protection Act (UU No. 27/2022). Joining BCA Finance means becoming part of a forward‑thinking team that values integrity, collaboration, and a customer‑centric approach, all while contributing to Indonesia’s economic growth and financial inclusion agenda.
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