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Amar Bank

Digital-first bank offering unsecured personal loans

Referral & Affiliate Marketing

Full-TimeUpdated on 10/14/2026
No salary listed
Mid
Bachelor's
Jakarta, Indonesia
In Person
Growth & MarketingGrowth Marketing

About the job

Requirements
  • A bachelor's degree in any major is required; Marketing, Business, Communication, or a related field is preferred.
  • At least four years of experience in referral marketing, affiliate marketing, partnership, business development, or sales acquisition.
  • Experience in fintech, banking, digital lending, e-commerce, or affiliate ecosystem industries is preferred.
  • Strong understanding of referral funnels, affiliate marketing strategy, customer acquisition, and conversion optimization.
  • Experience handling partnership collaborations and external stakeholder management.
  • Strong communication, negotiation, and relationship-building skills.
  • A data-driven mindset with analytical and reporting capability.
  • Familiarity with digital campaign activation and affiliate performance tracking.
  • Ability to work with aggressive targets in a fast-paced environment.
  • Proficiency in Microsoft Excel, Google Sheets, and presentation tools.
  • Willingness to travel for business purposes if required.
Responsibilities
  • Maintain and monitor overall referral and affiliate marketing performance to achieve monthly volume and paid-out targets.
  • Expand the number of active referral partners, affiliate channels, and strategic business collaborations.
  • Develop and execute activation programs, campaign initiatives, and incentive strategies to improve active rate, conversion rate, and paid-out volume.
  • Maintain relationships and engagement with existing affiliate marketing partners and referral ecosystems.
  • Identify partnership opportunities with communities, retail partners, influencers, digital affiliates, and local business networks.
  • Monitor referral funnel performance from lead creation through payout and manage pipeline movement.
  • Analyze affiliate and referral performance data to identify growth opportunities and optimization strategies.
  • Coordinate with internal stakeholders across Marketing, Sales, Operations, CRM, and Telemarketing on campaign execution and conversion improvement.
  • Ensure referral incentive and affiliate commission schemes are implemented properly and aligned with company policy.
  • Conduct field visits and partner engagement activities to strengthen collaboration and business contribution.
  • Support customer acquisition strategy through online and offline referral channels to increase business scalability.
Desired Qualifications
  • Experience in fintech, banking, digital lending, e-commerce, or affiliate ecosystem industries.

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.