MSME Business Operation Lead

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!

Responsibilities:
• Oversee and directly manage end-to-end operations for MSME banking products, including hands-on involvement in lending underwriting and funding processes.
• Proactively ensure all operational workflows are smooth, efficient, and tightly safeguarded against fraud through daily oversight and intervention when necessary.
• Develop, implement, and enforce SOPs by working closely with teams on the ground to standardize workflows and ensure compliance in practice, not just on paper.
• Continuously refine processes by actively engaging in root-cause analysis and hands-on problem-solving to enhance efficiency and reduce turnaround times.
• Drive the adoption of digital tools and automation by collaborating with teams on implementation and integration, ensuring practical alignment with daily operations.
• Monitor operational performance through hands-on tracking of key metrics, providing actionable insights and reporting directly to senior management.
• Lead by example in mentoring and working alongside the operations team, fostering a culture of accountability, performance, and problem-solving.
• Collaborate deeply with product, risk, compliance, and customer service teams by addressing issues on the ground and aligning strategies to operational realities.
• Champion customer-focused operations by working closely with frontline teams to ensure a seamless, responsive, and positive user experience.
• Stay actively updated on regulatory requirements, translating them into practical, day-to-day compliance measures across all operations.
• Identify and execute innovations by staying engaged with operations, seeking opportunities for improvement, and driving changes to support business growth.

Requirements:
• 10+ years of experience in banking operations, with a focus on MSME, lending, or funding products.
• Expertise in managing large operation in asset-based lending and appraisal is a strong advantage
• Proven ability to design and improve operational processes and SOPs.
• Experience with digital transformation and process automation.
• Strong leadership, problem-solving, and analytical skills.
• Bachelor’s degree in Business Administration, Finance, Engineering, and Science or a related field; a master’s degree is a plus.