Credit Legal
Amar Bank
Credit Legal
Amar Bank
Digital-first bank offering unsecured personal loans
This position will be responsible for supporting the Credit Legal team in ensuring the legality and compliance of credit and collateral documentation. The candidate is expected to have solid experience in banking credit, credit underwriting, and collateral binding. Key responsibilities include reviewing and validating legal and collateral documents, drafting credit and collateral binding agreements, and ensuring all processes comply with applicable regulations to minimize legal risks for the company.
Review and verify the completeness, validity, and authenticity of credit application documents and collateral documents.
Prepare and review credit agreements, collateral binding agreements, notarial deeds, and other legal documents related to credit facilities and collateral binding.
Ensure that credit and collateral binding processes comply with applicable laws and regulations, Bank Indonesia regulations, OJK (Financial Services Authority) regulations, and Bank internal policies.
Provide legal opinions and recommendations related to credit documentation and collateral matters.
Coordinate with business units, Credit Operations, notaries, and other relevant parties to ensure the smooth and proper execution of credit and collateral binding processes.
Minimum Bachelor’s degree (S1) in Law from a reputable university.
Minimum 2 years of experience in credit legal, credit administration, or a related field. Experience in banking or financial services is highly preferred.
Good understanding of civil law, collateral law, credit documentation, and applicable financial services regulations.
Proficient in drafting and reviewing legal agreements and contracts.
Strong sense of responsibility, attention to detail, and ability to work under tight deadlines in a dynamic, fast-paced environment.
Able to work independently and collaboratively, with high integrity, commitment, and the ability to maintain confidentiality.
Good interpersonal, negotiation, analytical, and communication skills.
Good command of English, both written and verbal.
Amar Bank is a digital-first bank in Indonesia focused on financial inclusion for the unbanked and underbanked, offering digital lending, mobile banking, and embedded finance. Its Tunaiku platform uses big data and predictive analytics to process unsecured personal loans, often within 24 hours, for individuals and MSMEs. The bank launched Senyumku, a cloud-based, mobile-only app built with Google that uses AI to help customers manage money and build savings, and it provides an embedded banking SDK for partners to offer payments and loans. Originating as PT Anglomas International Bank and later rebranded after a 2014 acquisition by the Tolaram Group, Amar Bank aims to expand access to affordable financial services through technology, partnerships, and a stock-market-backed growth path.
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