Amartha

P2P lending for women-led MSMEs

Area Manager

Retail & Commercial BankingConfirmed live in the last 24 hours

Full-timeCilacap, Cilacap Regency, Central Java, Indonesia

About the Job

Requirements

A minimum 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 Manager, or Area Manager is required.
Ability to develop sales and marketing strategies to guide the team toward achieving targets is required.
A motorcycle and a SIM C driving license are required.
Willingness to travel throughout the Cilacap area is required.
High discipline, integrity, honesty, and transparency are required.
Communication and collaboration skills are required.
A strong willingness to learn, especially to analyze information and data, is required.
Adaptability to change and target orientation are required.
Ability to build a coaching culture to improve team performance is required.

Responsibilities

Ensure all branch key performance indicators within the area are achieved, including portfolio quality and growth in line with Amartha's objectives and targets.
Ensure partner recruitment, service, and mentoring follow standard operating procedures.
Ensure strategy, management, processes, and operations are carried out across all branches in the area.
Ensure branch office administration is complete and orderly.
Ensure branch operations run effectively by providing 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 are supported through effective human-resource fulfillment and management.
Ensure Amartha's planned expansion is implemented effectively.
Ensure portfolio quality meets Amartha's objectives and branch audit scores meet management expectations.
Uphold transparency at branch offices.

Area Manager Cilacap

Amartha · Cilacap, Indonesia · — · Posted 2025-09-03

Workplace: on_site

Department: FO - Lending

Description

Sebagai Area Manager, posisi ini akan bertanggung jawab atas keseluruhan pengelolaan & monitoring Kantor Point/Cabang meliputi:

Memastikan seluruh KPI Cabang di lingkup Area dapat dicapai dengan baik, termasuk di dalamnya:
Memastikan kualitas dan kuantitas portofolio berkembang sesuai dengan tujuan dan sasaran yang ditetapkan oleh Amartha
Memastikan proses perekrutan, pelayanan dan pendampingan mitra dilakukan sesuai dengan SOP dan
Memastikan strategi, pengelolaan, proses dan operasional seluruh cabang dalam lingkup area yang dibina
Memastikan keseluruhan administrasi kantor cabang lengkap dan tertib.
Memastikan operasional kantor cabang dapat berjalan dengan baik dengan memastikan perizinan, infrastruktur, inventaris terpenuhi.
Memastikan bahwa kebijakan dan prosedur secara ketat ditaati oleh semua staf di kantor cabang
Memastikan seluruh staf memberikan kinerja terbaik dengan memperoleh training, pemantauan kinerja dan pengelolaan konflik.
Memastikan operasional cabang di Regionalnya dapat berjalan melalui pemenuhan dan pengelolaan SDM
Memastikan ekspansi yang ditetapkan Amartha dapat berjalan dengan baik
Memastikan kualitas portfolio sesuai dengan tujuan Amartha dan nilai audit cabang sesuai dengan ekspekstasi management.
Menegakkan prinsip keterbukaan di cabang

Requirements

Pendidikan terakhir minimum Sarjana
Memiliki pengalaman bertanggung jawab dalam memimpin minimal 2 Cabang
Berpengalaman memimpin lebih dari 5-10 anggota tim
Memiliki pengalaman minimal 2 tahun di Micro Finance sebagai Koordinator/Supervisor/Kepala Cabang/Area Manager
Dapat menyusun strategi sales & marketing sebagai paduan tim untuk mencapai target
Mempunyai motor dan SIM C
Bersedia mobile keseluruh area Cilacap

Kemampuan yang Dibutuhkan:

Disiplin Tinggi (berintegritas, jujur & transparan)
Memiliki kekuatan komunikasi & berkolaborasi dengan tim
Memiliki semangat belajar yg tinggi terutama untuk menganalisa informasi dan data
Mudah beradaptasi pada perubahan dan berorientasi pada target
Mampu membangun budaya coaching untuk meningkatkan performa tim

Benefits

Gapok + Insentif
Tunjangan
Asuransi Kesehatan
Jenjang Karir
Asuransi kehilangan sepeda motor*
Program Pinjaman Karyawan*
Benefit Pernikahan*
Benefit Kelahiran anak*
Umroh untuk karyawan berprestasi*

Apply

Apply at Amartha

About the Company

Amartha

P2P lending for women-led MSMEs

Amartha is a fintech platform in Indonesia that connects micro-entrepreneurs with investors through a peer-to-peer lending marketplace. It funds productive loans for MSMEs, focusing on women-led businesses, using a hybrid model of digital technology plus in-person field agents to support group lending inspired by Grameen Bank. Borrowers access working capital without traditional collateral, supported by a proprietary credit-scoring algorithm that uses machine learning and alternative data to assess creditworthiness of borrowers with no formal credit history. Lenders invest in loans, monitor impact, and earn returns; Amartha aims to improve financial inclusion for the unbanked rural population, empower women, and support sustainable rural economic growth, disbursing over $1.6B to more than 2.5 million women-led businesses as of 2024.

Company size: 1,001-5,000
Company stage: Debt Financing
Total funding: $276M
Headquarters: Jakarta, Indonesia
Founded: 2010

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