Introduction
We are seeking a motivated Sales Officer – Perbankan to join our dynamic team in Jambi. This role is a key driver of our retail banking growth, focusing on both digital and traditional loan products. The successful candidate will act as a trusted advisor, guiding small‑business owners, private‑sector employees, and micro‑enterprise clients through the loan application process while delivering exceptional customer service.
Responsibilities
- Promote and educate new and existing BTPN customers on the SO Digital loan product, offering unsecured financing up to IDR 50 million.
- Identify and approach micro‑entrepreneurs, private‑sector employees, and other non‑civil‑service clients who qualify for the digital loan solution.
- Present and sell the SO Maxi BTPN loan portfolio, providing secured financing ranging from IDR 300 million to IDR 1 billion, ensuring borrowers submit appropriate collateral such as land deeds or vehicle certificates.
- Conduct thorough needs analyses, collect required documentation, and verify client eligibility against BTPN’s credit policies.
- Maintain accurate records of all client interactions in the daai.id system, achieving a minimum daily activity compliance rate of 70 %.
- Collaborate with the credit underwriting team to expedite loan approvals while adhering to regulatory and internal compliance standards.
- Prepare weekly and monthly sales reports, highlighting pipeline status, conversion rates, and any obstacles faced.
- Participate in regular training sessions to stay updated on product enhancements, market trends, and best‑practice sales techniques.
- Provide post‑sale support, ensuring borrowers understand repayment schedules and fostering long‑term relationships for future cross‑selling opportunities.
Requirements
- Minimum Bachelor’s degree (S1) in Business, Finance, Economics, or a related field.
- Maximum age of 35 years.
- At least 1 year of proven experience in banking sales, micro‑finance, or B2B product marketing.
- Strong knowledge of agricultural marketing, B2B sales, and retail banking products.
- Excellent communication and interpersonal skills; ability to explain complex financial concepts in simple terms.
- Demonstrated negotiation and persuasive selling abilities.
- High level of organization, attention to detail, and ability to manage multiple client accounts simultaneously.
- Proficiency with digital CRM platforms (e.g., daai.id) and basic MS Office applications.
- Gender: open to all candidates.
- Strong ethical standards, with a commitment to confidentiality and regulatory compliance.
Benefits
- Competitive base salary aligned with the regional UMK, paid on the 25th of each month and calculated based on attendance.
- Performance‑based incentives tied to monthly sales targets.
- Transportation allowance of IDR 250,000 per month, contingent on achieving at least 70 % daily activity compliance.
- Comprehensive BPJS Kesehatan and BPJS Ketenagakerjaan contributions (4 % deduction from total salary).
- Standard leave policy: Monday‑Friday work schedule, 08:00‑17:00, weekends and public holidays off.
- Opportunities for professional development, including product training and sales certification programs.
- Supportive team environment with clear career progression pathways within BTPN.
About Company
BTPN (Bank Tabungan Pensiunan Nasional) is a leading Indonesian financial institution dedicated to inclusive banking and the empowerment of underserved market segments. With a strong presence across Sumatra and a growing footprint in Jambi, BTPN focuses on innovative loan solutions, digital transformation, and community‑based financial education. Our mission is to provide accessible, trustworthy, and customer‑centric banking services that drive economic growth for individuals and small businesses alike.
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