Cermati.com
Business Development Associate - Collateral Loan
TLDR
Drive partner recruitment and lead management while ensuring rapid loan disbursement and monitoring competitor rates to maintain a competitive edge in collateralized lending.
- Partner Recruitment: Identify and onboard third-party agents, such as used car dealers and collateral loan agencies, to act as consistent referral channels.
- Territory Mapping: Conduct physical and digital market surveys to identify high-potential SME clusters and residential areas for collateralized lending.
- Lead Management: Convert incoming inquiries and cold leads into qualified loan applications through proactive follow-ups and CRM tracking.
- Initial Pre-Screening: Perform preliminary checks on collateral quality and applicant creditworthiness to ensure high approval rates from the credit team.
- Pipeline Coordination: Act as the primary liaison between the client and internal departments to ensure rapid loan disbursement within agreed service levels.
- Competitor Analysis: Monitor the interest rates and Loan-to-Value (LTV) ratios of rival multifinance firms to maintain a competitive product edge.
- Micro-Marketing Activation: Organize and execute grassroots promotional events, such as booth setups in traditional markets or community hubs, to capture direct leads.
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Account Retention: Maintain ongoing relationships with existing borrowers to facilitate loan top-ups and renewals once they reach eligible payment milestones.
- Bachelor’s Degree (S1)
- Worked in car & motorcycle leasing companies with similar collateral loan product
- Have worked in similar position at least 3 years
- Proficient with Microsoft office
- Have financial literacy & basic credit analysis for collateral loan
- Understand regulatory & compliance for multifinance
- Basic collateral appraisal skills
- Min TOEFL 500
- SPPI & APPI certification is a plus
- Have SIM A or SIM C
Cermati.com is a financial technology startup that operates as a comprehensive online marketplace, making it easy for Indonesians to find and apply for a wide range of financial products. By streamlining access to loans, credit, and other financial services, Cermati.com is committed to promoting financial inclusion and simplifying the financial decision-making process in Indonesia.
Business Development Associate