Branch Audit Associate
About the job
- A bachelor's degree in Accounting, Finance, Audit, Law, or a related field is required.
- Three to five years of experience in internal audit, field audit, operational risk, or fraud investigation is required.
- Strong knowledge of branch operations, including know-your-customer processes, onboarding, credit applications, and collections, is required.
- High attention to detail and investigative skills to analyze data for anomalies are required.
- Ability to work independently in the field and travel to remote branch locations is required.
- Professional report-writing and documentation skills are required.
- Integrity, accountability, and professional skepticism are required.
- Understanding of Indonesian fintech and financial institution regulations is required.
- Fluency in Indonesian is required; English proficiency is an added advantage.
- Execute regional audit cycles effectively, efficiently, and within designated timeframes.
- Identify consumer data related to the customer acquisition process to find indications of irregularities, anomalies, or potential fraud.
- Conduct direct field inspections of acquisition processes, applications, sales transactions, and collections performed by branch staff to ensure compliance with internal procedures and minimize business deviations.
- Gather information and supporting evidence to strengthen field findings and ensure complete chronologies are documented so all parties understand the violations and appropriate sanctions.
- Follow up on information received from internal and external parties regarding work processes that do not comply with procedures.
- Communicate audit findings effectively to relevant parties, including branch managers, compliance teams, and senior audit management.
- Monitor the implementation of corrective actions and improvements based on audit findings.
- Professional background in fintech, banking, or consumer finance sectors is preferred.
- Experience with data validation tools or mobile-based audit platforms is preferred.
About the company
Cermati is a Jakarta-based fintech platform that helps Indonesians research, compare, and apply for financial products like credit cards, loans, mortgages, auto loans, savings, insurance, and bill payments. It aggregates information from banks and financial institutions into a standardized format so users can understand options and make informed choices. The service often handles parts of the application process for partners, earning commissions from successful applications rather than charging users. Its goal is to expand financial inclusion in Indonesia by making financial products easier to find, compare, and access for a population that's increasingly online but underserved in formal finance.
Company Size
501-1,000
Company Stage
Series A
Total Funding
$1.9M
Headquarters
Jakarta, Indonesia
Founded
2015
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Simplify's Take
What believers are saying
- July 2026 BCA funding expanded Indodana PayLater reach across 180 Indonesian cities.
- Cermati Protect launched multiple 2026 partnerships, showing active cross-sell and monetization.
- Series D rumors from 2024 suggest investors still see scalable value in Cermati.
What critics are saying
- BNPL default losses can hit Indodana Finance fast if consumer delinquencies rise in 2026.
- OJK fined dozens of firms in 2026, raising compliance risk for Indonesian lenders.
- Cermati depends on partner distribution; losing BCA, banks, or merchants weakens growth immediately.
What makes Cermati.com unique
- Cermati groups comparison, brokerage, and BNPL under one Jakarta fintech platform.
- Indodana Finance's BCA-backed IDR1.5 trillion facility deepens funding access for 2026 growth.
- Cermati Protect keeps bundling insurance with tiket.com, Bumame, and DR SPECS.
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Benefits
- Flexible Work Hours