Business Development Associate - Collateral Loan

Cermaticom

Jakarta, Jakarta, Indonesia Hybrid contract

Posted: March 11, 2026

Job Description

• 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.
• 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

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