Who are we?
Amar Bank is one of the most technologically advanced digital banks in Indonesia. Our leading
digital lending product, Tunaiku has the distinction of being the first FinTech product in
Indonesia. We are also the first digital bank on the cloud. As the first profitable digital bank, we
managed to get listed on the Indonesian Stock Exchange.
How did we manage to do that?
We are changing people’s perception of a bank. We believe we are the innovators who combine
customer focus principles with creating technology-based impact. We incorporate freedom and
flexibility as part of our startup working culture DNA to encourage innovation in creating better
financial solutions for the banking industry. We think of ourselves as, ‘A technology company
with a banking license’. For this reason, we ‘Act like a FinTech, and think like a Bank.’
How did it all start?
Founded on March 15, 1991, in Surabaya as PT Anglomas International Bank (Amin Bank), the
bank was acquired by Tolaram Group and transformed to PT Bank Amar Indonesia (Amar Bank)
in 2014. It has then undergone a significant digital transformation to become one of the
country's forerunning fintech institutions through its award-winning digital lending platform,
Tunaiku.
Our philosophy, mission, and vision
Technology must impact lives, must improve lives. We exist to provide banking to those who
‘need’ and not only to those who ‘want’. Services when provided to those who need at the time
of their need brings smiles. Our vision is to bring 200 million smiles.
More about the bank with startup culture environment
Consist of 1000+ people, you will meet people who love to grow, dream big, and actually have
fun at the workplace! We provide a great working environment that pushes people to grow
outside their comfort zone. People with high drive and ambition find us a very attractive place to
work as their career growth matches their own drive and not any staid policies. Thus we hold
the honor of being awarded “Best Place to Work in Indonesia”.
Recently Amar Bank was awarded as Inspirational Brand from APEA (Asia Pacific Enterprise
Awards) 2022. Of course, our innovation won't stop here. So if you would love to be a part of it,
have a growth mindset, and are constantly hungry for challenges, we invite you to join us in our
journey to ‘Impact Lives’.
Join us today and create #unlimitedinnovations!
Key Responsibilities
- Develop and manage the Retail Channeling and Online to Offline Lending product, ensuring its growth and profitability.
- Lead and design efficient process flows for online transaction financing until the flow of funds, goods and services.
- Understand and integrate the business processes of partner ecosystems into the product structure.
- Create and implement risk and fraud mitigation strategies, in line with best practices.
- Ensure product compliance with internal policies and external regulations.
- Collaborate with cross-functional teams (tech, operations, risk, compliance) and external partners to enhance the customer experience and improve loan performance.
- Develop and maintain dashboards and reports that provide visibility into key performance indicators (KPIs).
- Monitor market trends and adapt strategies to ensure competitiveness.
- Present insights and recommendations to senior management, supporting data-driven decision-making.
Requirements
- Bachelor’s degree in finance, economics, data science, or a related field.
- 5+ years of experience in retail lending, preferably in an embedded finance or partner ecosystem setting.
- Proven track record in managing lending products, with a focus on online-to-offline transitions.
- Strong understanding of risk management, fraud mitigation, and compliance.
- Excellent problem-solving skills and experience working with cross-functional teams.
- Strong communication and relationship-building skills.
- Ability to work independently and lead complex projects from start to finish.
We exist to cover the full area of lending to retail customers based on a portfolio approach. We are very data-driven and strategic to make decisions on Retail propositions through analyzing, interpreting, elaborating data, visualizing, and presenting results.
It’s our job to underwrite, create portfolio management reports, design collection strategies to risk costs, and RWA optimization. We work closely with relevant stakeholders actively to build the network globally.
