Credit Reviewer Lead- MSME

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!

About the position:

Lead a team of credit analysts in assessing and recommending the creditworthiness of potential clients. Guide a team of credit analysts in conducting comprehensive analyses of financial and business conditions, including evaluating ratios, trends, cash flow, business capacity, and collateral. This position will be instrumental in shaping lending decisions, risk management strategies, and portfolio quality.

What Will You Do:

• Lead, motivate, and mentor a team of credit analysts, ensuring consistent excellence in credit assessment and risk evaluation.
• Set performance goals, conduct regular evaluations, and provide constructive feedback to enhance individual and team capabilities.
• Oversee the assessment of potential clients' creditworthiness, considering financial condition, credit history, industry trends, and other relevant factors.
• Utilize the insights derived from thorough analysis to make informed lending decisions that align with risk tolerance and business objectives.
• Collaborate with stakeholders to ensure credit proposals are meticulously evaluated, supporting sound credit approval processes.
• Monitor and evaluate credit portfolio health, identifying risks and opportunities for optimization.
• Propose adjustments to credit limits, terms, and conditions to maintain a balanced and profitable portfolio.
• Continuously enhance credit assessment processes, underwriting procedures, and risk management protocols to ensure efficiency and accuracy.
• Ensure the team adheres to credit policies that align with regulatory requirements and industry standards.
• Present credit analysis findings and recommendations effectively to senior leadership and relevant parties.

What You Need To Have:

• Minimum experience with 8 years of experience in credit analysis within the banking sector, with a demonstrated ability to lead and inspire a team.
• Profound understanding of financial statement analysis, credit risk evaluation methodologies, and lending regulations.
• Strong analytical skills, critical thinking, and a track record of making sound credit decisions.
• Exceptional communication, interpersonal, and presentation skills.