The incumbent will support Head of ORM in implementing and driving Advance Operational Risk Management, including Business Continuity Management of the company, aligned with Regulator requirement as well as adjusted with company's specific condition.
The responsibilities will covering to:Master Advance Operational Risk Management (AORM), including Business Continuity Management (BCM) Framework, Policy, Procedures and all relevant documents as per Group and Regulator,Driving an effective implementation of Advance Operational Risk Management (AORM), including implementing of Business Continuity Management (BCM) across the Company, Supporting Head of ORM in implementing Business Continuity Management (BCM), keeping business operational during disaster by developing and testing recovery strategies so that business can resume normal operations as soon as possible following a disaster. Assessing possible risks and their impact on the business to identify vital processes that should resume with highest priority to minimize the negative impact of a disruptive event.Supporting Head of ORM in developing, revamping, and maintaining a good quality and promoting utilization of Operational Risk Tools (i.e. Risk Control Self Assessment (RCSA), Key Risk Indicator, and Loss Data Collection - LDC),Delivering accurate, timely, and good quality of regular reports (both internal and external reports), as required by Group and Regulator,Deal with and maintaining good communication with Regulator and Internal Stakeholders.
We are looking for talents with requirements:Minimum bachelor’s degree with min. 3 years working experiences as Operational Risk Management in Banking/Financial Industry.Experienced and familiar with Financial Service regulators and its regulations.Comfortable with fast-paced, dynamic and agile working environment.Good in communication skill specifically in English both verbal and written and collaboration in diversity for managing internal project.
Identify and implement customer lifecycle, engagement, and customer journey improvement initiatives to maximize customer lifetime value and customer satisfaction.Develop and execute lifecycle campaigns and engagement strategies across onboarding, activation, cross/up-sell, retention, and reactivation stages.Prepare business cases, customer funnel analysis, and performance evaluation to support lifecycle initiatives and optimization activities.Provide recommendations on customer communication, engagement strategies, and marketing initiatives to improve campaign and customer experience effectiveness.Identify best practices and continuous improvement opportunities to enhance customer lifecycle management and engagement effectiveness.Collaborate with Product, Sales, Marketing, Digital, and other stakeholders to improve customer lifecycle and engagement performance across channels.
Requirements:
Bachelor's Degree in any major 7+ years of experience in customer lifecycle management, CRM, or related field. Experience in designing and executing lifecycle campaigns (onboarding, activation, usage, cross-sell/up-sell, retention)Experience in financial services, lending, fintech, or consumer credit industries is preferredStrong understanding of customer lifecycle frameworks and CLV optimizationAbility to identify process gaps and campaign improvement opportunitiesExperience with CRM and campaign management platformsExperience in cross-functional collaboration (Product, Marketing, Sales, IT, others)Comfortable working in a fast-paced, data-driven environment
A. Regulatory ReportingEnsure timely and accurate submission of all regulatory reports Interpret new regulations and translate them into internal reporting frameworks and controlsEnsure full reconciliation between regulatory data, financial statements and management reportingAct as primary contact for regulatory audits, including preparation, response and remediation of findingsDrive automation, standardization, and data lineage transparency in regulatory reporting
B. Group Reporting Deliver monthly, quarterly and annual Group reporting packages in line with IFRS and internal standardsEnsure alignment and reconciliation between PSAK (local GAAP) and Group reportingProvide variance analysis, bridges and commentary vs prior period, budget and forecastCoordinate with HQ on deadlines, changes, and reporting standards
C. Management Reporting Deliver monthly management packs for ExCo / BoardProvide P&L and Balance Sheet bridge analysis (actual vs budget / forecast / prior)Identify key business driversTranslate financial data into actionable insights and clear storyline
D. Data, Systems & Process ImprovementDrive automation Improve data quality, governance and reconciliation processesReduce manual work and reporting cycle timeAct as SME for reporting architecture and data flows
E. Team LeadershipBuild and lead high-performing reporting teamDevelop expertise in: Regulatory reportingAccounting & IFRSAnalytical reportingSet clear KPIs, governance and delivery discipline
Anda akan berperan penting dalam mencapai target penjualan, menggerakkan pertumbuhan, dan mengelola risiko dengan efektif pada district/area tersebut.
Tanggung Jawab Utama:Memimpin dan memotivasi tim agen penjualan untuk mencapai target penjualan.Mengembangkan dan menerapkan rencana penjualan strategis untuk meningkatkan pendapatan dan memperluas pangsa pasar.Mengidentifikasi risiko dalam proses penjualan dan mengurangi risiko tersebut dengan efektif.Melakukan analisis pasar untuk mengidentifikasi peluang dan memantau pesaing.Memantau kinerja penjualan, menganalisis data, dan mengimplementasikan perbaikan untuk meningkatkan efisiensi penjualan.
Persyaratan Pekerjaan:Pengalaman kerja selama 2-3 tahun dalam bidang Penjualan & Pemasaran, pengalaman sebagai supervisorBersedia ditempatkan di Jawa TimurJaringan penjualan yang kuat dan pengalaman dalam manajemen penjualan.Kemampuan bisnis yang baik dan pemahaman tentang dinamika pasar.Kemampuan untuk beradaptasi dengan perubahan dan bekerja dalam lingkungan yang dinamis.Keterampilan kepemimpinan yang kuat untuk memotivasi tim menuju kesuksesan.
Providing tools to understand customers pain points and feedback. Analyze the customers pain points in details. Technical and analytical support of other functions in their CX related improvements and overall Sales business performance through advanced and actionable analyticsTo compile and review report related to sales from either historical or forecasted data which will be used for setup sales target guidance, measuring achievement, calculating the incentive for sales field team and supporting management to take a strategic data oriented based decision which in the end will create a positive benefit for the company
Responsibilities:Sales Productivity Improvement (Sales Associate / POS). Measures the impact of enablement tools, processes, and training. Productivity is the ultimate outcome of commercial excellence, ensuring resources are maximized.SA POS Forecast Accuracy. Reflects effectiveness of commercial planning, segmentation, and resource allocation along with Partners management. Pricing & Margin Uplift. Directly links commercial excellence to profitability. A strong pricing and revenue management strategy proves the function’s ability to balance growth with financial health.Go-to-Market Effectiveness (New Product / Campaign Ramp-up Time). Faster GTM execution increases competitiveness and accelerates revenue realization. Ensures alignment between sales, marketing, and product.Stakeholder Alignment (Cross-Functional OKR Achievement). Tracking alignment across functions ensures GTM execution is cohesive and strategy is translated into outcomes.
Requirements:Min 8 – 10 years experiences in leading data scientist team Managing 5 – 8 Junior or senior data analyst by providing data insights to increase company profit or opportunities. Strong analytical and problem solving skills including ability to independently drive analysis concluding with rationalized recommendationsAbility to see metrics in the context of the business as a wholeHighly organized and able to manage multiple request / projects simultaneouslyPrefer e-commerce or financial tech companies experiences. Strong leadership with business acumen is a plus.Having knowledge of SQL and Experience with R or Python is a plusStrong communications skillsInterest in fintech and high level of curiosity.
As a Territory Manager, you'll have the opportunity to lead and inspire a dynamic team, drive business growth, and shape the future of our organization in your region.
If you're interested in exploring this exciting opportunity, reach out to us today to learn more or submit your application. Let's work together to make a difference!
Lead and drive sales network team including agents and team leaders to achieve the best targetSet and develop action plan and execute sales strategy in the respective areaNegotiate with partners to implement potential activitiesSchedule regular visit to all types of partners and understand partners’ business to identify potential to maximize results.Exhibiting leadership by sharing best practice across districts.
Requirements:Min 7 years of experience in Sales and Marketing (preferred from Multi finance, Mobile phone, Electronic or Banking Sector)Proven leadership by leading min. 200 - 500 team membersStrong market understanding in specific areaStrong partnership and leadership skillWilling to work at Pontianak with high mobility within the city
Are you passionate about driving business growth through data-driven insights? Do you thrive in using advanced analytics to optimize customer experiences and maximize business performance? Home Credit Indonesia is looking for a dynamic Head CRM Analytics to lead our CRM initiatives and transform how we engage with our customers across their lifecycle.
About the Role:As the Head of CRM Analytics, your mission is to revolutionize how we manage the customer journey and optimize channel performance through actionable, cutting-edge analytics. You will play a pivotal role in advancing customer lifecycle management and improving overall CRM business performance by leveraging data-driven strategies that fuel growth and profitability.
Job ResponsibilityPromote and develop data-fueled analysis within the company to helps business improve customer engagement, x-sell and profitability.Optimize campaign management by usage of advanced statistical models: propensity to buy, propensity to attrite, next best offer, campaign optimization modelsDirect research, design, implement and validate cutting-edge algorithms to analyze diverse sources of data (big data) to achieve targeted outcomes and information that company needs. Improve acquisition and portfolio understanding through relevant and actionable segmentation modelsCooperate with internal CRM, Risk, and other teams to identify and prioritize actionable, high-impact insights across a variety of core business areas.Develop and Establish CRM Policy to manage the availability, usability, integrity, and security of the data sources available to the Company.Provide expertise on mathematical concepts for broader CRM and to inspire the adoption of advanced analytic and data science across the Company.
Job RequirementsBachelor degree majoring in Statistics, MBA, Economics, Engineers.7+ years Experience in Data Analytics, Data Scientist in Banking/Financial sector.Experience in CRM Databases, SAS (or equivalent), SQL, MicroStrategy, Excel, Campaign Management.Strong background in advanced analytic techniques, such as multivariate regression analysis, predictive modeling, logistic regression, factor analysis, response prediction, advertising effectiveness, consumer profiling.You excel at thinking strategically, synthesizing complex information, and providing actionable insights.Strong presentation skills with the ability to communicate complex ideas clearly and inspire others to embrace data-driven solutions.Fluent English is a must for collaboration with cross-functional teams.
Are you passionate about driving meaningful change through audit excellence?Join us as our City Audit Assistant Manager, where you'll be one of the key roles in our Audit function to safeguard operational integrity across our city operations.
Your core responsibilities:Lead end-to-end city audits: from risk assessment and planning to fieldwork (desk and onsite), reporting, follow-up, and validation of remedial actionsDevelop and enhance audit frameworks: including methodology, scope, procedures, tools, and team capabilitiesDeliver impactful reports: communicate audit findings to the IA Director, Executive members, and Audit Committee with clarity and confidenceContinuously reassess risks: adjust and prioritize the City Audit Plan to stay ahead of emerging threatsChampion data analytics: drive the implementation of advanced analytics for risk assessment, continuous auditing, and monitoring
We are looking for talents with:Has at least 4-6 years of working experiences, preferably in Banking or Financial InstitutionsExperienced in auditing branch or citiesGood skill and familiar using big data & analytics tools (SQL or Phyton)Proven knowledge of auditing standards and laws, procedures, rules, and regulationsHaving experience in developing end to end inhouse regulations, rules and SOP will be an advantageGood communication and presentation with preferably fluent in EnglishComfortable in fast paced, agile and dynamic working environmentOpen and willing with frequent travelling to cities in Indonesia (frequency monthly travelling)
You will responsible to:Design, install, configure, and maintain Oracle database systems, these also to implement and manage database backup and recovery strategies.Monitor and optimize database performance, tuning SQL queries, and ensuring high availability and disaster recovery solutions.Perform database patching, upgrades, and migrations as needed.Collaborate with development teams to design and implement database solutions that support application requirements.Conduct regular database security assessments and implement best practices to ensure data security and compliance.Develop and maintain database documentation, including architecture diagrams, SOPs, and configuration guides.Troubleshoot and resolve complex database issues, providing on-call support as needed.Stay up-to-date with the latest Oracle database technologies and industry trends. We are looking for Talents:Experienced handling > 200 TB database.Deep understanding about Oracle RAC , ASM & Data Guard.Good understanding about performance tuning & Relational Database concept and Unix Shell Scripting.Experienced in backup & recovery (Oracle RMAN) technique, using monitoring database tool (e.g Oracle Enterprise Manager, Grafana, Prometheus).Experienced in other database relational product (e.g MySQL, PostgreSQL, SQL Server), NOSQL database product (e.g Cassandra , MongoDB).Experienced in using oracle feature (e.g Multitenant , Data Redaction).Experienced in database administration in cloud.Advanced level of spoken and written in English.Having good communication skill and collaboration in diversity.Comfortable working in a high demand, agile, dynamic, and fast-paced team environment.
Role IntroductionAs Head IT Core System & Data Technology, you’ll lead the backbone of our technology organization — the core systems, platforms, and data capabilities that keep our business running smoothly and enable us to scale with confidence.In this role, you will shape the strategy, architecture, and operational excellence of our enterprise technology landscape, ensuring that our systems are secure, resilient, and built for a fast-moving fintech environment. You’ll oversee critical infrastructure and data platforms, guide modernization initiatives, and work closely with business and technology leaders to align IT capabilities with company priorities.This is a high-impact leadership opportunity for someone who combines strong technical depth with strategic vision, operational rigor, and a passion for building high-performing teams. If you’re excited by the challenge of leading mission-critical systems in a dynamic fintech business, we’d love to hear from you.
What You'll DoLead the strategy, governance, and day-to-day management of core IT systems, enterprise platforms, and data technology to ensure stability, scalability, and business continuity.Drive the design, implementation, and continuous improvement of robust infrastructure and data environments, with a focus on performance, reliability, security, and operational efficiency.Oversee cloud and platform modernization initiatives, including Azure-based solutions, to support business growth, system resilience, and future-ready architecture.Establish strong data management practices across the organization, including data quality, availability, integration, lifecycle management, and platform governance.Partner closely with product, operations, risk, security, and senior business stakeholders to align technology roadmaps with organizational goals and regulatory requirements.Build, mentor, and lead high-performing technology teams, fostering accountability, collaboration, and a culture of continuous improvement and innovation.Ensure compliance with cybersecurity standards, internal controls, and relevant regulatory requirements, while proactively identifying and mitigating technology and data-related risks.What You Bring8-10+ years of progressive experience in IT leadership, with proven success managing core systems, enterprise applications, and data technology in a complex organization.Demonstrated experience leading critical technology functions within financial services, fintech, or other highly regulated, high-availability environments.Strong understanding of enterprise architecture, IT infrastructure, system integration, data platforms, and operational support models.Hands-on knowledge of cloud solutions, particularly Microsoft Azure, and the ability to guide modernization and scalability initiatives across enterprise environments.Deep familiarity with cybersecurity best practices, risk management, compliance requirements, and secure data handling within business-critical systems.Strategic mindset with strong analytical and problem-solving skills, including the ability to translate business needs into practical technology solutions and long-term roadmaps.Excellent communication and stakeholder management skills, with the leadership presence to influence cross-functional teams and thrive in a fast-paced environment.
