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

Establish Amar Bank Identity, Privilege, and Access management capabilities.
Form the team, procedure, process, and technology for IAM/PAM.
Establish a Bank-wide User Access Matrix as an access baseline.
Manage day-to-day and end-to-end processes of access requests.
Conduct access reviews for all internal systems.
Ensure smooth integration and organization-wide adoption of secure IAM/PAM.
Monitor asset management lists to ensure onboarding to IAM processes.
Prepare all reports related to Identity, Privilege, and Access management tasks.

Requirements

Experience: Minimum 5 years in banking or financial services, specifically in IAM.
Technical Knowledge: Strong understanding of Identity, Privilege, and Access management concepts and technologies.
Implementation: Capability to design and lead IAM/PAM implementation without fully relying on enterprise solutions.
Broad Tech Skills: Understanding of Cloud Platforms, SaaS, Servers, and Network devices.
Soft Skills: Strong communication, ability to work independently, and attention to detail for documentation/evidence.

We exist to innovate and maintain the architecture of Amar Bank's products. As part of our main focus to create through technology we ensure the process and technology we use helps maintain and build human connection at scale.

It’s our job to plan, monitor, and control the technology growth so we can provide a faster, more convenient, and more efficient way of performing business transactions.

About the company

Amar Bank is a digital-first bank in Indonesia focused on financial inclusion for the unbanked and MSMEs, delivering products through digital channels. Its Tunaiku platform uses big data and predictive analytics to underwrite unsecured personal loans and often disburses funds within 24 hours to support business capital or home improvements. Senyumku is a cloud-based, mobile-only digital banking app developed with Google that uses AI to help customers manage money and build savings habits. The bank also offers an embedded banking SDK so partners such as e-commerce platforms can integrate payments and loans, aiming to expand access to affordable financial services through technology and strategic partnerships.

Company Size

501-1,000

Company Stage

N/A

Total Funding

N/A

Headquarters

Surabaya, Indonesia

Founded

1991

Get referred to Amar Bank

See people who can refer or advise you

Simplify's Take

What believers are saying

2025 net profit rose 16.1% to Rp249.6 billion, a record for Amar.
Q1 2026 credit grew 30.62% to Rp4.16 trillion, driving assets to Rp6.93 trillion.
Amar's net NPL improved to 0.86% in Q1 2026 from 1.48%.

What critics are saying

OJK data showed Amar's gross NPL at 8.14% in March 2026.
Tunaiku's unsecured MSME loans depend on underwriting discipline; credit slippage hits earnings fast.
Loan-to-deposit ratios above 100% force wholesale funding dependence; any market freeze strains survival.

What makes Amar Bank unique

Tunaiku has disbursed over Rp19 trillion since 2014, funding Indonesia's underserved borrowers.
Embedded banking inside MRT Jakarta and JULO extends Amar into partner ecosystems.
SBI Holdings bought 5.63% in October 2025, validating Amar's digital-banking model.

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Benefits

Flexible Work Hours

Company News

InsuranceAsia

Oct 9th, 2025

SBI Holdings Acquires 5% of Amar Bank

SBI Holdings has acquired over 5% of PT Bank Amar Indonesia Tbk (Amar Bank), becoming its third-largest institutional investor. This marks SBI's entry into Indonesia's digital banking sector. The partnership aims to leverage SBI's expertise to enhance services for retail and MSME customers. Amar Bank President Director Vishal Tulsian and Tolaram's Navin Nahata highlighted the potential for collaboration and affirmed Amar Bank's strategy to expand financial access.

Crowdfund Insider

Jul 4th, 2020

Amarbank launches app-only banking service that resides completely in Google Cloud

Indonesia-based Amar Bank, which is part of the Tolaram Group and reportedly became the first Fintech bank in the country with the launch of its digital product, Tunaiku, has introduced an app-only banking service that resides completely in Google Cloud.

Amar Bank

Identity and Access Management Team Lead

About the job