About The Role:As a Back Office staff at KCU Juanda, you will play a crucial role in managing all banking operational activities, including handling Giro, Savings, and Deposit accounts, clearing processes, transfers, and non-cash transaction documentation. You will process clearing deposits and withdrawals, verify documents and transaction slips, support loan disbursements, payments, and transfers according to bank policies, and ensure that all administrative tasks and transaction reports are accurate and compliant with procedures.Key Responsibilities:Execute all transactions related to Giro, Savings, and Deposit accounts.Process clearing deposits and withdrawals, LLG transfers, including verification of documents and slips.Prepare warning letters for customers whose clearing withdrawals are rejected due to insufficient balance.Manage depositor documentation, including applications, identity verification, signature specimens, and other relevant data.Handle outgoing/incoming transfers via SKN BI and RTGS, as well as internal fund transfers.Verify signatures on checks and giro slips, and resolve technical or administrative issues in customer transactions.Perform electricity account debits and prepare daily transaction reports and internal/external reports.Send and collect clearing documents from Bank Indonesia and distribute transaction proofs according to procedures.Implement APU, PPT & PPPSPM programs and manage risks within the unit.Maintain service quality, authenticity of documents, work equipment, inventory, and adopt efficient work practices.Additional Generalis Responsibilities:Manage vendor sourcing, selection, cost approval, and payments.Oversee branch inventory and assets, including procurement, tagging, maintenance, and office stationery management.Manage the supply and use of stamped duty (materai tempel).Handle deposit account openings, maintenance, and other back office transactions.Pay operational branch bills (telephone and electricity).Stamp checks and giro slips.Input journal transactions from Head Office, reconcile transactions, and resolve failing items.
Abou You:Minimum D3 (Associate Degree), any major.Knowledge of daily banking operations, detail-oriented, and able to assess risks.Strong customer service skills, with excellent verbal and written communication.Minimum 2 years of administrative experience, preferably in the banking industry.
About The Role:Work with the Product, Business, and Sales teams to gather and understand requirements and deliver scalable solutionsDesign, develop, and maintain new and existing web applications.Write high quality, maintainable code.Continuously optimize existing applications to achieve better design and performance.Ensure web applications are fully deployed, implemented, and functioning.Participate in design discussions, reviews and propose/implement solutions to technical problems and challenges
About You:B.S, M.S, and/or PhD in Computer Science or equivalent2+ years of working experience in the Software industryStrong understanding of Data Structures, Algorithms, and Computer Science fundamentalsExperience working on NodeJS and some NodeJS frameworks such as expressjs.Experience working on frontend and client technologies such as JS, CSS3, HTML5, JSON, Angular/React/VueJS, etc.Proficient in HTTP, Web Services and Restful APIsHaving a good understanding in SQL query is a plusGood Communication skillsAbility to work well in a team with a positive attitude
About the Role:As an Account Maintenance – KC Mangga Dua, you will play a key role in driving business growth through effective marketing strategies while maintaining strong, long-term relationships with customers.Key responsibilities:Implement marketing strategies to drive new customer acquisition and business growthExecute marketing initiatives to increase adoption of digital banking platformsIdentify and reach potential target markets through both digital channels (social media, online ads, email marketing) and offline activities (events, seminars, networking)Conduct market research to identify trends, customer needs, and new business opportunitiesAnalyze competitor activities and market dynamics to ensure competitive marketing strategiesPerform account maintenance by ensuring customer satisfaction and delivering relevant solutionsBuild and maintain strong relationships with customers to enhance loyalty and long-term engagementPrepare regular reports on marketing activities and account management performance
About You:We are looking for a proactive, customer-oriented professional with a strong understanding of digital banking marketing.Qualifications:Minimum Diploma (D3) degree in any fieldAt least 2 years of experience in marketing, preferably in the banking industryStrong understanding of market analysis and consumer behavior, especially in digital bankingHands-on experience with digital marketing tools (digital ads, social media, email marketing, etc.)Proven experience in client/account management, maintaining long-term customer relationships, and handling customer issues related to banking products or servicesStrong skills in Customer Relationship Management (CRM)Excellent communication and interpersonal skillsTarget-driven, self-motivated, and able to work both independently and collaboratively
About the Role:The Credit Risk, Legal & Document Control Assistant Manager is responsible for managing credit risk, ensuring compliance with applicable legal regulations, and overseeing the overall management of credit and legal documents. This role includes drafting and reviewing contracts, credit quality control, securing and archiving important documents, and overseeing the collateral assessment process.
This position also acts as an internal advisor on legal and credit risk aspects, ensuring that all business activities comply with regulatory standards (OJK, BI, KYC, AML). Furthermore, the Manager will lead cross-functional coordination and ensure the organization's readiness for audits and compliance with regulatory reporting obligations.
Key Responsibilities:Manage and evaluate credit risk to ensure portfolio quality remains healthy.Provide credit decision recommendations based on risk analysis and legal aspects.Monitor credit exposures and identify potential default risks.Handling credit-related legal issues, including default, restructuring, and enforcement.Drafting, reviewing, and negotiating all credit agreements and related legal documents.Ensuring that all credit structures have strong and enforceable legal protection.Providing legal advice on credit decisions, including legal risk mitigation.Ensure all credit activities and documentation comply with applicable regulations (OJK, BI, KYC, AML, and Data Protection).Identify and implement regulatory changes into internal policies and procedures.Coordinate with compliance and ensure the completeness and accuracy of reporting.Manage the storage and security of original documents, including credit agreements and collateral documents.Ensure all documents are stored securely, organized, and easily traceable.Manage the document tracking system.Oversee the document issuance and return process to prevent loss or misuse.Implement document retention and destruction policies in accordance with regulations.Ensure the completeness and validity of collateral documents (certificates, building permits, land and building taxes, etc.).Coordinate with notaries, land and building officials (PPAT), and relevant parties regarding collateral binding.Ensure the collateral binding process complies with applicable legal provisions.Support the collateral execution process in the event of a problem loan.Ensure document readiness for internal and external audits.Conduct regular document reviews to ensure compliance and accuracy.Follow up on audit findings and ensure timely resolution.Identify potential risks in document management and credit legal processes.Coordinate with internal teams (Credit, Risk, Compliance, Finance).Liaise with external parties such as notaries, auditors, regulators, and debtors.Support due diligence processes and other documentation needs.Provide regular reports to management regarding document status and legal risks.Lead and develop the legal credit and custody team.Develop and ensure the implementation of standard operating procedures (SOPs) related to legal and custody documents.Improve the efficiency of documentation systems and data security.Maintain integrity, confidentiality, and independence in all work activities.
About You:Minimum of a Bachelor's degree in Law, Finance, Management, or a related field.A Master's degree (Master of Law/Finance/Risk Management) is an added advantage.Minimum 3–7 years of experience in legal credit, custody/document control, or risk management, particularly in the banking, multifinance, or fintech industries.Experience in drafting and reviewing credit agreements and managing legal documents.Experience handling audit processes, compliance, and regulatory reporting.Exposure to collateral binding and problem loan management is a plus.Mastering property valuation methods: Cost Approach, Market Approach, Income Approach.Preferred Skills:Understanding of banking law, contract law, and financial regulations (OJK, BI, KYC, AML).Mastery of credit processes and structures, as well as legal risk mitigation.Proficient in document control and storage management systems.Understanding of collateral binding processes (fiduciary, mortgage, etc.).Capable of managing and overseeing physical and digital document archiving systems.
About the Role:Ensure the security of information within applications/products.Possess the ability to perform vulnerability assessments and penetration testing on infrastructure, mobile applications, and web applications.Able to conduct security reviews from a hacker's point of view.Generate security assessment reports, both from vulnerability scanning and penetration testing activities.Conduct thorough analysis of identified security vulnerabilities and provide mitigation recommendations.Understand standards and frameworks related to vulnerability scanning and penetration testing such as OSSTMM, OWASP, PTES, etc.
About You:Minimum of Bachelor graduate or higher, with consideration of technical competence in the field of penetration testing.Minimum 2 years of experience working as an IT Security Red Team or Penetration Tester.Experience in conducting vulnerability scanning and penetration testing on system infrastructure, mobile apps, and web apps.Knowledge of hacking techniques on system infrastructure, mobile apps, and web apps.Ability to perform hacking techniques beyond just using tools — must understand manual hacking processes.Familiarity with standards and frameworks for vulnerability scanning and penetration testing, such as OSSTMM, OWASP, PTES, etc.
About the Role:As an Account Officer (Funding), you will be responsible for acquiring, developing, and managing customer portfolios to drive sustainable growth of third-party funds (DPK). You will be the Bank’s frontline in understanding customer needs, offering tailored deposit products, and building long-term, mutually beneficial relationships with customers.
Your role also plays a critical part in strengthening customer loyalty through proactive service, cross-selling funding products, and ensuring excellent banking experiences. The performance of an Account Officer will directly impact the branch’s and the Bank’s overall funding growth.
Key Responsibilities include:Acquire new customers across individual, business, community, institutional, and high-potential segments to grow the branch’s DPK portfolio.Manage and deepen relationships with existing customers to increase loyalty, deposits, and usage of other funding products.Proactively identify customer needs and offer suitable solutions (savings, current accounts, deposits, or loans—both conventional and digital).Conduct regular visits, product presentations, interest rate negotiations, and trust-building activities with potential customers.Monitor and analyze funding portfolio performance, anticipating potential balance declines or fund shifts.Coordinate with product, operations, and customer service teams to ensure smooth account opening, fund placements, and premium services.Prepare and deliver daily/weekly reports on funding activities, pipeline development, portfolio updates, and customer visits to the Branch Manager.Handle customer complaints and escalations promptly while ensuring service standards.Ensure compliance with internal policies and external regulations (KYC, AML, prudential banking principles).Collaborate with Lending Account Officers to cross-refer customer needs for loan products.
About You:We are seeking a results-oriented and customer-driven professional who:Holds a Bachelor’s degree (S1) in any major.Has at least 2 years of marketing experience in the banking industry.Possesses strong knowledge of banking policies, procedures, and funding products.Understands credit principles and risk assessment.Brings an established customer network (preferred).Demonstrates excellent communication, negotiation, and relationship management skills.Is proactive, analytical, and target-focused with strong business acumen.
About The Role:At Krom Bank Indonesia, we are building the future of digital banking through Machine Learning and AI, including Large Language Models (LLMs) and AI agents. We are looking for a Data Scientist who will work closely with Analysts, Machine Learning Engineers, Product teams, and business stakeholders to build practical AI solutions that improve customer experience, internal operations, and business decision-making.
You will take ownership from problem discovery, experimentation, and model development to deployment and continuous improvement in production. Our ideal candidate is hands-on, result-focused, and strong in both quantitative thinking and business understanding.⸻Job Purpose:Design, develop, and deploy machine learning models and AI-powered applications across functions such as credit scoring, fraud detection, risk management, customer intelligence, and operational automation.⸻Key Responsibilities:Build and deploy machine learning models and AI-powered applicationsDevelop predictive models for credit scoring, fraud detection, recommendation systems, and customer segmentationBuild AI applications using LLMs, RAG, and AI agents for internal and customer-facing use casesDesign end-to-end AI pipelines from data preparation to production deploymentResearch and improve models using modern ML techniques and AI toolingCollaborate with Product, Engineering, Risk, Operations, and Business teams to solve business problemsMonitor and improve model performance, reliability, and explainabilityContribute to Data Science and AI best practices across the team
About You:Formal Education:Minimum Bachelor's Degree (S1) in Computer Science, Mathematics, Statistics, Engineering, Artificial Intelligence, or other related quantitative fields.⸻Professional QualificationStrong understanding of machine learning modeling and predictive analyticsProficiency in Python or RGood knowledge of MySQL/PostgreSQL and data platforms such as S3Experience building and deploying ML or AI applicationsFamiliarity with LLMs and modern AI application patternsStrong analytical thinking and problem-solving skillsGood communication and collaboration skillsStrong ownership mindset and ability to work in a fast-paced environment⸻Relevant Work ExperienceMinimum 1 year of relevant experience in Data Science, Machine Learning, or AI developmentHands-on experience building and deploying machine learning models or AI applicationsPreferred Qualifications Experience building LLM-powered applications such as chatbots, AI assistants, or AI agentsFamiliarity with RAG, vector databases, and frameworks such as LangChain, Google ADK, or OpenAI AgentsExperience using FastAPI, Streamlit, or similar frameworksExperience in Deep Learning and/or NLP modelsExperience in fintech, digital banking, lending, or high-scale consumer platformsBonus PointsExperience with credit risk modeling, fraud detection, or alternate data evaluation in financial services
About the RoleAs an Account Officer (Lending), you will be at the forefront of driving the Bank’s lending growth. Your role is to acquire, develop, and manage a customer portfolio by providing tailored credit solutions that fit their financial and business needs. You will also play a key part in ensuring customer loyalty through proactive service, cross-selling, and long-term relationship building.Key Responsibilities include:Acquire and develop potential debtors (individuals or businesses) to achieve lending portfolio targets.Identify customer financing needs and propose suitable credit products (working capital, investment, etc.).Prepare comprehensive credit proposals covering financial analysis, repayment schemes, and risk mitigation.Conduct business visits to assess customers’ conditions and business prospects.Ensure complete documentation and coordinate with supporting units (legal, risk, credit review).Monitor loan portfolio performance, repayment, and early warning indicators.Maintain strong customer relationships and identify cross-selling or repeat financing opportunities.Collaborate with Funding Officers to grow branch deposit (DPK) portfolios.Provide regular reporting on pipeline, portfolio, and key risk issues.Handle customer escalations to ensure excellent service delivery.
About YouWe are looking for a results-driven and customer-focused professional who:Holds a Bachelor’s degree (S1) in any major.Has minimum 2 years of experience in marketing within the banking industry.Possesses strong knowledge of banking policies, loan products, and credit principles.Understands risk assessment and credit analysis.Brings an existing customer network (preferred).Has excellent communication, negotiation, and relationship-building skills.Is proactive, analytical, and target-oriented with a strong business acumen.
About The Role:Design and develop scalable business data solutions across the entire data supply chain.Create and review technical and user-focused documentation for data solutions (data models, data dictionaries, business glossaries, process and data flows, architecture diagrams, etc.).Develop and maintain transformation logic and data models using dbt.Solve for complex data integrations across multiple systems.Collaborate with management, business partners, analysts, developers, architects, and engineers to support data quality efforts.Expertise (can teach/instruct others): in current data warehousing concepts (using technologies like Bigquery, dbt, etc. to support business-driven decisioning)SQL and database scripting with data manipulation scripting languages (like Python)
About You:A passionate and curious individual in Data Analytics subject areasHaving minimum 3 years of any relevant experiences in Data Engineering, Data Warehouse, Business Intelligence, AnalyticsGood proficiency in writing SQL, either in RDBMS (i.e. MySQL, PostgreSQL, etc) or OLAP (i.e. Bigquery, Snowflake)Good knowledge in creating a workable business dashboard.Strong passion in data engineering or business intelligence areas, ability to search or create solutions.Good communication skills in Bahasa and English. Mostly explaining technical things.Good workable attitude, something we could invest time to develop.
About The Role:At Krom Bank Indonesia, we are building the future of digital banking through fast, reliable, and intelligent financial services powered by data and AI. We are looking for a Machine Learning Engineer who will work closely with the Data Science team to build and maintain machine learning systems across key business functions such as credit scoring, fraud detection, risk management, and customer intelligence.
You will be responsible for transforming data science models into scalable, production-ready systems and ensuring machine learning pipelines and infrastructure are reliable, maintainable, and efficient. Our ideal candidate is hands-on, detail-oriented, and passionate about building robust ML systems at scale.⸻Job PurposeCollaborate with the Data Science team to build reliable data pipelines, scalable ML infrastructure, and production-ready machine learning systems across credit, fraud, and risk functions.⸻Key Responsibilities:Build and maintain ML pipeline infrastructure, including ETL processes and feature pipelinesAutomate model training, testing, deployment, monitoring, and maintenancePartner with Data Scientists to productionize predictive models into scalable systemsEnsure ML services and data pipelines are reliable, maintainable, and debuggableImprove model performance through monitoring, validation, and optimizationCollaborate with Engineering, Product, and Data teams to support end-to-end ML deliveryContribute to MLOps standards and best practices across the team
About You:Minimum Bachelor's Degree (S1) in Computer Science, Mathematics, Statistics, Engineering, Artificial Intelligence, Data Science, or other related quantitative fields.Strong understanding of data structures, data modeling, and ML system architectureProficiency in writing production-ready code using PythonFamiliarity with GoLang is a plusStrong knowledge of MySQL/PostgreSQL and data platforms such as S3Familiarity with ML/LLM libraries such as TensorFlow, Keras, PyTorch, scikit-learn, LangGraph, Strands Agents SDK, LiteLLMExperience using FastAPI, Airflow, or similar frameworksExperience with cloud platforms, preferably AWSGood understanding of CI/CD, deployment, and production monitoring for ML systemsStrong problem-solving skills and ownership mindsetMinimum 1 year of relevant experience in Data Engineering, Software Engineering, or Machine Learning EngineeringHands-on experience deploying machine learning models and building feature pipelinesExperience in fintech, digital banking, or lending is a plus
