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Amar Bank

Digital-first bank offering unsecured personal loans

Finance Controller – Cost & Tax Team Lead

Full-TimeUpdated on 10/15/2026
No salary listed
Senior
Bachelor's
Jakarta, Indonesia
In Person
AccountingTax Accounting, Cost & Management Accounting

About the job

Requirements
  • A bachelor's degree in Accounting or Finance.
  • At least 5 years of experience in finance or accounting operations.
  • Demonstrated experience across both cost/budgeting and tax compliance in the Indonesian tax landscape.
  • Experience using e-SPT, e-Faktur, DJP Online, or Coretax.
Responsibilities
  • Own the integrity, timeliness, and relevance of all cost and budget reporting.
  • Build and maintain the financial control framework.
  • Deliver decision-ready cost narratives at shareholder and management level, translating numbers into risks, recommendations, and actions.
  • Challenge and resolve material variances through the team.
  • Drive cost-efficiency and identify where automation should replace manual effort.
  • Ensure period-close runs cleanly without direct intervention on routine items.
  • Own end-to-end compliance with applicable Indonesian tax obligations, including PPh Pasal 21, 23, 25/29, Pasal 4 ayat (2), PPN, and PPh Final.
  • Prepare, review, and file tax items hands-on when needed.
  • Provide governance sign-off on SPT filings and e-Faktur submissions before they reach DJP.
  • Advise on tax implications and tax planning for transactions, products, and structures.
  • Own the monthly tax equalization between commercial and fiscal figures, ensuring it is reconciled, documented, and defensible.
  • Liaise with the tax authority and maintain an audit and compliance framework and a DJP-ready posture.
  • Ensure there are no late tax compliance filings or audits.
Desired Qualifications
  • Prior supervisory experience managing direct reports.
  • Experience in a banking, multifinance, or OJK-regulated environment.
  • Brevet A & B qualification.
  • Experience in a Big 4 professional services firm, particularly in Audit/Assurance.
  • Experience handling banking, financial services, multifinance, insurance, or other OJK-regulated clients.

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.