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:

Perform financial and business performance tracking across key banking metrics.
Update existing data models, dashboards, and standard reports to monitor KPIs.
Support and participate in finance process improvements.
Maintain and update investor, analyst, and stakeholder databases.
Support the coordination and execution of key Investor Relations activities.
Assist in monitoring compliance with capital market regulations, continuous disclosure requirements, and corporate governance standards.
Participate in ad-hoc tasks as assigned by management.

Requirements:

Minimum 3-5 years of experience in related fields

Bachelor's degree in Accounting or Finance related field

Experience in a publicly listed company or banking institution is an advantage

Strong analytical and structured thinking

Solid understanding of financial statements and business performance analysis

Good at research, reporting, and presentation skills

Ability to thrive in a dynamic and fast-paced environment

Strong stakeholder management and interpersonal skills, including the ability to interact effectively with senior management and external stakeholders

Our keen eye for finance won't go unnoticed at Amar Bank. We do budgeting, investor relations-managing, and assisting executives in making decisions that affect the organization.

It's our job to take responsibility for the financial health of the organization. We act as the floodgates when money comes in and goes out. We also collaborate closely with top executives and departments to innovate an idea-friendly organizational financial culture.

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

Finance & Investor Relations

About the job