Corporate Lending Circle Lead
About the job
- A minimum of a Bachelor's degree in any relevant field is required.
- At least 8 years of experience in banking, lending, or credit, preferably within the Corporate segment.
- A strong client network or database within the Corporate market is required.
- A clean record with no history of misconduct or fraud in previous employment is required.
- Integrity, professionalism, communication, and interpersonal skills are required.
- Ability to work effectively under pressure while consistently meeting or exceeding business targets is required.
- Lead the Corporate Banking team and develop strategies to achieve lending and fee-based income targets.
- Drive business expansion by identifying new market opportunities and strengthening relationships with key corporate clients.
- Oversee the overall loan portfolio to ensure credit quality, compliance, and alignment with the bank's risk appetite.
- Manage and develop the Relationship Manager team through coaching, performance monitoring, and capability building.
- Coordinate with internal stakeholders, including Risk, Credit, Operations, Treasury, and Legal, to support business execution.
- Review and propose credit proposals within delegated authority and ensure timely, high-quality credit processing.
- Monitor business performance, prepare management reports, and propose corrective actions when necessary.
- Proven experience managing a credit portfolio of at least IDR 1 trillion is highly preferred.
- Experience in the Corporate segment is preferred.
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
Company News
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.
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.