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Amartha

P2P lending for women-led MSMEs

Area Manager

Retail & Commercial BankingConfirmed live in the last 24 hours
Full-timeCirebon, Cirebon City, West Java, IndonesiaNo salary listed

About the Job

Requirements

  • A minimum diploma-level education 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 Head, or Area Manager is required.
  • Ability to develop sales and marketing strategies to guide the team toward its targets is required.
  • Must own a motorcycle and hold a SIM C driving license.
  • Must be willing to be assigned anywhere in the West Java region.

Responsibilities

  • Ensure all branch KPIs within the area are achieved.
  • Ensure the quality and quantity of the portfolio develop in line with Amartha's established goals and targets.
  • Ensure partner recruitment, service, and assistance processes are carried out according to standard operating procedures.
  • Ensure the strategy, management, processes, and operations of all branches within the managed area.
  • Ensure all branch-office administration is complete and orderly.
  • Ensure branch-office operations run properly by providing required permits, infrastructure, and inventory.
  • Ensure all branch staff strictly comply with policies and procedures.
  • Ensure all staff perform well through training, performance monitoring, and conflict management.
  • Ensure regional branch operations run through effective workforce 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 the branches.

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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