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Bussiness Development


Job Description

Identify, originate, develop and maintain SME client relationship.

Provide professional lending services to new and existing SME clients.

Ensure proper legal documentation and other requirements are correct and appropriate



Bachelor degree from reputable university.

Minimal 2-year experience banking operations or financial institution.

Familiar with OJK regulations and Fintech business model.

Female are preferred.



Pengalaman : > 5 tahun sebagai analis kredit di Perbankan/Multifinance

Keahlian : 

<!-- [if !supportLists]-->a.       <!--[endif]-->Memahami Laporan Keuangan

<!-- [if !supportLists]-->b.       <!--[endif]-->Memahami Prinsip 5C Pemberian Kredit

<!-- [if !supportLists]-->c.        <!--[endif]-->Analitycal dan Detail

<!-- [if !supportLists]-->d.       <!--[endif]-->Multitasking

<!-- [if !supportLists]-->e.       <!--[endif]-->Problem Solving

<!-- [if !supportLists]-->f.         <!--[endif]-->Mampu berkomunikasi dengan baik secara verbal maupun non verbal

<!-- [if !supportLists]-->g.       <!--[endif]-->Mampu mempresentasikan laporan analisa kredit

h.     Mahir menggunakan Komputer (Ms. Office)


Job Description :


<!-- [if !supportLists]-->1.    <!--[endif]-->Melakukan pengecekan pengajuan pinjaman debitur pada sistem internal (dashboard daftar peminjam & pinjaman)

<!-- [if !supportLists]-->2.       <!--[endif]-->Memeriksa kelengkapan dan kelayakan dokumen sesuai SOP kredit.

<!-- [if !supportLists]-->3.       <!--[endif]-->Melakukan survei lokasi usaha dan rumah/tempat tinggal debitur.

<!-- [if !supportLists]-->4.       <!--[endif]-->Melakukan verifikasi hasil credit checking (PEFINDO, FDC).

<!-- [if !supportLists]-->5.       <!--[endif]-->Melakukan verifikasi dokumen pinjaman dan menganalisa keuangan debitur (rekening dan laporan keuangan)

<!-- [if !supportLists]-->6.       <!--[endif]-->Menginput hasil verifikasi dan analisa keuangan ke dalam sistem internal (dashboard-task list approval)

<!-- [if !supportLists]-->7.       <!--[endif]-->Melakukan credit scoring pinjaman.

<!-- [if !supportLists]-->8.       <!--[endif]-->Melakukan follow up kepada debitur untuk persetujuan penawaran pinjaman, pencairan pinjaman dan jadwal pembayaran pinjaman

<!-- [if !supportLists]-->9.       <!--[endif]-->Melakukan credit rating

<!-- [if !supportLists]-->10.    <!--[endif]-->Memberikan rekomendasi setiap pengajuan pinjaman debitur kepada Kepala Analis (Head of Analyst)

<!-- [if !supportLists]-->11.    <!--[endif]-->Membuat lembar fakta (factsheet) dan menampilkan pada marketplace Avantee atas pinjaman debitur yang telah disepakati.

<!-- [if !supportLists]-->12.    <!--[endif]-->Melakukan koordinasi dengan tim lain (BD, Funding) setiap pengajuan pinjaman sebelum tahap pencairan.

<!-- [if !supportLists]-->13.    <!--[endif]-->Memantau pinjaman-pinjaman yang akan jatuh tempo.

<!-- [if !supportLists]-->14.    <!--[endif]-->Melakukan review secara berkala setiap pinjaman yang sudah cair/eksisting dan responsif terhadap kredit yang berpotensi atau yang sedang bermasalah.

<!-- [if !supportLists]-->15.    <!--[endif]-->Membuat laporan (Logbook) periode minggu-an setiap pinjaman yang diproses.

16    Menyimpan setiap dokumen pinjaman yang diproses di dalam G-drive internal Avantee



1. Design, develop, and implement cutting-edge credit scoring models for individual borrowers.

2. Utilize statistical techniques, machine learning, and data analysis to enhance predictive accuracy.

3. Conduct in-depth analysis of credit data to identify trends and insights.

4. Collaborate with cross-functional teams to gather relevant data for model improvement.

5. Monitor model performance and recommend adjustments as needed.

6. Stay abreast of industry best practices and emerging trends in credit scoring.

7. Work closely with the Risk Management team to align credit scoring models with the company's risk tolerance.

8. Collaborate with IT and Data Engineering teams to ensure seamless integration of models into our lending platform.

9. Prepare comprehensive documentation for all credit scoring models, ensuring transparency and replicability.

10. Communicate model methodologies and results to both technical and non-technical stakeholders.


Qualifications :

1. Bachelor’s degree in Statistics, Mathematics, Data Science, or a related field.

2. Proven experience (5 years) in developing credit scoring models, preferably in a financial services environment.

3. proficient in statistical analysis tools and programming languages such as Python, R, or SAS.

4. Strong understanding of credit risk management principles and regulatory requirements.

5. Excellent communication skills with the ability to present complex concepts to diverse audiences.


Job Description

<!-- [if !supportLists]-->1. <!--[endif]-->Identify and approach credit worthy SME suppliers or vendors of large chain retailers that need working capital loans

<!-- [if !supportLists]-->2. <!--[endif]-->Convert potential clients to become borrowers

<!-- [if !supportLists]-->3. <!--[endif]-->Develop relationship with merchandising department of large chain retailers to source potential borrowers


<!-- [if !supportLists]-->1. <!--[endif]-->Min. 6-year working experience in large chain retailers: grocery, general merchandise, dept. stores, or mini marts.

<!-- [if !supportLists]-->2. <!--[endif]-->Extensive network with merchandiser from large chain retailers

<!-- [if !supportLists]-->3. <!--[endif]-->Excellent communication (written and verbal) and presentation skills

<!-- [if !supportLists]-->4. <!--[endif]-->Bachelor degree from reputable university

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