Finance – Accounting & Reporting Lead
About the job
- At least 5 years of experience in related fields.
- A bachelor's degree in Accounting or a finance-related field.
- Familiarity with accounting standards, especially PSAK 109, and OJK banking regulations related to financial reporting.
- Knowledge of banking transactions and activities, including journal entries and financial statement preparation.
- Experience leading a team.
- Oversee financial closing processes in compliance with relevant regulations and standards.
- Manage financial reporting preparation processes for the board of management and shareholders.
- Ensure regulatory reports are submitted accurately and on time to Bank Indonesia and OJK.
- Manage assessment of internal controls, monitoring, and potential improvements to business processes within the Finance, Accounting, and Reporting Circle.
- Lead assessment and implementation of new accounting standards and regulations related to financial reporting.
- Liaise with external parties, including Bank Indonesia, OJK, and auditors, regarding financial matters and inquiries.
- Perform ad hoc tasks as assigned by management.
- Background at a reputable public accounting firm or bank.
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
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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