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Amar Bank

Digital-first bank offering unsecured personal loans

Senior Data Analyst - Lending

Full-TimeUpdated on 10/14/2026
No salary listed
Mid, Senior
Jakarta, Indonesia
In Person
Data & AnalyticsData Analysis

About the job

Requirements
  • Have at least 3 years of experience related to data analysis.
  • Be able to create user-friendly and insightful dashboards or reports using a business intelligence tool such as Tableau, Power BI, or Google Data Studio.
  • Be able to use varied data sources, including NoSQL, relational database management systems, and JSON, in analysis and reporting.
  • Have experience providing descriptive, diagnostic, predictive, or prescriptive analysis using tools such as BigQuery, Python, R, or SPSS.
  • Have knowledge of data mining concepts such as statistics, machine learning, and forecasting.
  • Have experience processing core banking data and fully understand the end-to-end flow of digital lending.
  • Be able to explain one's own projects using storytelling.
  • Be comfortable working with millions of rows of data.
  • Be able to propose and implement alternative solutions when needed.
  • Have interpersonal skills to collaborate within and across functions.
  • Be self-driven, curious, capable of problem solving, and detail-oriented.
Responsibilities
  • Analyze the impact of new features, business flows, and campaigns, and present results visually to support data storytelling.
  • Create and manage automated reports and dashboards based on stakeholder requirements to ensure stakeholders use correct and up-to-date data.
  • Create and manage data marts to make work easier and faster.
  • Collaborate with data engineers to ensure data correctness and maintain data quality.
  • Advise stakeholders across backgrounds on metrics, data sources, visualizations, and analytical methods to support data-based decisions.
  • Tailor complex messages into simplified, business-applicable materials.
  • Deliver tasks quickly while maintaining high accuracy.
  • Stay up to date with data and analytics trends.
Desired Qualifications
  • Have experience using Google BigQuery and Looker.
  • Have experience exploring data from third-party platforms, such as web and mobile analytics platforms, marketing attribution platforms, and API logging platforms.
  • Know best practices for building data marts.

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.