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Amar Bank

Digital-first bank offering unsecured personal loans

Corporate Funding Circle Lead - Department Head

Full-TimeUpdated on 10/15/2026
No salary listed
Senior
Bachelor's
Jakarta, Indonesia
In Person
Finance & BankingRetail & Commercial Banking

About the job

Requirements
  • A minimum Bachelor's degree from a reputable university is required.
  • A minimum of 5–7 years of experience as a Funding Officer, Team Leader, or Circle Lead is required, preferably handling corporate customers within the banking industry.
  • Comprehensive knowledge and strong experience in fundraising and funding activities, particularly Deposit and CASA products, are required.
  • A proven track record in acquiring and managing corporate customers and building long-term customer loyalty is required.
  • The candidate must possess and be able to develop a strong personal network of customers, particularly within the corporate segment.
  • Strong leadership and organizational skills, with the ability to lead and support a team in achieving business targets, are required.
  • Excellent interpersonal, communication, negotiation, and time management skills are required.
  • Strong selling and business development skills and a target-oriented mindset are required.
  • The candidate must be proactive and confident and able to build strong relationships with internal and external stakeholders.
Responsibilities
  • Identify and develop new customer prospects while maintaining strong relationships with existing customers.
  • Promote and provide information about the Bank's products and services, especially Deposit and CASA, based on customer needs.
  • Conduct customer visits, build relationships, and communicate regularly with customers to strengthen loyalty and develop mutually beneficial relationships.
  • Acquire new customers and achieve funding targets within the assigned area.
  • Manage and grow the existing customer portfolio while identifying opportunities for additional business.
  • Develop and maintain a strong personal network of corporate customers.
  • Lead, coach, and support the team in achieving business and funding targets.
  • Monitor team performance and identify opportunities to improve business results.
  • Handle customer complaints and resolve customer issues effectively while providing excellent customer service.
  • Ensure effective execution of business strategies and initiatives within the assigned area.
  • Pursue self-development to maintain and improve competencies relevant to the role.
  • Perform special assignments and other duties as required or directed by superiors.

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

InsuranceAsia
Oct 9th, 2025
SBI Holdings Acquires 5% of Amar Bank

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.

Crowdfund Insider
Jul 4th, 2020
Amarbank launches app-only banking service that resides completely in Google Cloud

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.