Business Manager
About the job
- Have at least a high school or vocational high school education.
- Have experience taking responsibility for managing a branch.
- Have experience leading a team of more than five to ten members.
- Have at least two years of experience in microfinance as a Business Manager or Leader; experience with a Grameen Bank system financial institution or microfinance is preferred.
- Be able to develop Sales and Marketing strategies to guide the team in achieving targets.
- Have a personal vehicle and a Class C driver's license.
- Ensure all branch key performance indicators within the assigned regional scope are achieved.
- Ensure branch operations in the assigned area run effectively by fulfilling staffing needs and managing human resources.
- Ensure the expansion of Amartha's assigned managed areas proceeds effectively.
- Ensure portfolio quality meets Amartha's objectives and branch audit scores meet management expectations.
- Uphold the principle of transparency at the branch.
- Experience with a Grameen Bank system financial institution or microfinance 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