Team Leader
About the job
- A minimum diploma-level education is required.
- At least 2 years of experience leading a team is required.
- Experience leading a team of more than 5–10 members is required.
- At least 2 years of experience as a manager in microfinance is required; experience with a Grameen-system financial institution is preferred.
- Ability to develop sales and marketing strategies to guide the team in achieving targets is required.
- Must own a motorcycle and hold a Category C driving license.
- Must be willing to be placed anywhere within Amartha’s Bengkulu regional work area.
- High discipline, integrity, honesty, and transparency are required.
- Strong communication and collaboration skills are required.
- Must be willing to learn, particularly to analyze information and data.
- Ability to adapt to change and remain target-oriented is required.
- Ability to build a coaching culture to improve team performance is required.
- Ensure the quality and quantity of the portfolio develop in line with Amartha’s objectives and targets.
- Ensure staff perform effectively by planning capacity development, monitoring work practices, and managing conflict.
- Ensure partner recruitment, service, and assistance follow applicable standard operating procedures and regulations to maintain partner satisfaction.
- Evaluate, validate, and approve financing applications in accordance with standard operating procedures, credit ratings, and partner eligibility.
- Ensure the branch achieves optimal repayment levels.
- Manage and develop the overall strategy for branch field operations, including expansion, financing, partner recruitment, service, and assistance.
- Manage all branch office administration.
- Ensure branch office operations, policies, and procedures are implemented properly and compliantly.
- Experience with a Grameen-system financial institution is preferred.
About the company
Amartha is a fintech platform in Indonesia that connects micro-entrepreneurs with investors through a peer-to-peer lending marketplace to fund productive loans for MSMEs, with a focus on women-led businesses. Borrowers access working capital without collateral, supported by a proprietary ML-based credit scoring system that uses alternative data and a field agent network to enable group lending. Lenders invest through the platform, monitor impact, and earn returns via transaction fees and a share of interest, with the model blending digital technology and in-person support. Its goal is to increase financial inclusion for the unbanked rural population, reduce reliance on predatory moneylenders, and foster sustainable rural growth through accessible funding and financial literacy.
Company Size
1,001-5,000
Company Stage
Debt Financing
Total Funding
$276M
Headquarters
Jakarta, Indonesia
Founded
2010
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Simplify's Take
What believers are saying
- Amartha disbursed Rp13.2 trillion in 2025, growing more than 20% year over year.
- Swedfund, Finnfund, and BIO committed $55 million in June 2025, inside a $199 million IFC facility.
- AmarthaFin passed 1 million users in 2025, while AmarthaLink topped 50,000 users.
What critics are saying
- OJK's July 2025 rules cap productive funding at Rp5 billion unless NPL stays below 5%.
- Amartha said 2025 NPF was around 4%; any rise triggers tighter growth constraints.
- Seventy percent of funding came from institutional lenders in 2025, creating refinancing dependence.
What makes Amartha unique
- Amartha combines field agents, group lending, and AmarthaFin across 50,000 Indonesian villages.
- Its borrower base skews women-led MSMEs outside Java, where 60% of portfolio sits.
- Bank Indonesia licensed Amartha Financial Group in August 2025 for payments, lending, and multifinance.
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Benefits
Performance Bonus
Flexible Work Hours
Growth & Insights and Company News
6 month growth
0%1 year growth
0%2 year growth
2%Amartha, a fintech startup, secured $55 million (Rp 895.6 billion) from three European financial institutions: Swedfund ($25 million), Finnfund, and BIO ($15 million each). The funds will expand micro-business capital access, especially for women in rural Indonesia. This is part of a $199 million syndication led by IFC. CEO Andi Taufan Garuda Putra highlighted the importance of prudent governance and digital financial ecosystem development to attract global investors.
The loan aims to enhance financial inclusion for women-led micro-enterprises in Indonesia, especially in rural regions.
The acquisition was done through Amartha’s holding company, PT Amartha Nusantara Raya.
Indonesia-based integrated farming productivity platform Elevarm has secured $1 million investment from Dutch financial services firm Rabobank and Japanese information technology firm Scala and Indonesian fintech firm Amartha.
BDA Partners is pleased to announce that its client, Amartha, an Indonesian microfinance technology company, has successfully raised growth capital in a funding round led by Accion Digital Transformation Fund, with participation from Maj Invest and Women’s World Banking. The investment aims to help deliver Amartha’s ambition of building a platform providing a full suite […]