Area Manager
About the job
- A bachelor's degree is required.
- Experience leading at least two branches is required.
- Experience leading a team of more than five members is required.
- At least two years of microfinance experience as a coordinator, supervisor, branch head, or area manager is required.
- Ability to develop sales and marketing strategies to guide the team toward its targets is required.
- A motorcycle and a Class C driver's license are required.
- Willingness to travel throughout the Majalengka area is required.
- High discipline, integrity, honesty, and transparency are required.
- Strong communication and collaboration with the team are required.
- Ability to analyze information and data is required.
- Adaptability to change and a target-oriented approach are required.
- Ability to build a coaching culture to improve team performance is required.
- Ensure that all branch key performance indicators within the area are achieved, including portfolio quality and quantity developing in line with Amartha's goals and targets.
- Ensure partner recruitment, service, and mentoring follow standard operating procedures.
- Ensure strategies, management, processes, and operations are implemented across all branches in the area.
- Ensure branch office administration is complete and orderly.
- Ensure branch operations run effectively, including permits, infrastructure, and inventory.
- Ensure all branch staff strictly comply with policies and procedures.
- Ensure staff perform effectively through training, performance monitoring, and conflict management.
- Ensure regional branch operations by fulfilling and managing human resources needs.
- Ensure Amartha's planned expansion is implemented effectively.
- Ensure portfolio quality meets Amartha's goals and branch audit scores meet management expectations.
- Uphold the principles of transparency at branch offices.
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
Get referred to Amartha
See people who can refer or advise you
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.
Help us improve and share your feedback! Did you find this helpful?
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 […]