About the Role:As a Customer Service Officer, you will be at the forefront of delivering excellent service to customers at KCU Mangga Dua. This role focuses on providing information about banking products and services, managing account administration, and handling customer needs and complaints professionally in accordance with applicable policies.Key Responsibilities include:Providing complete and accurate information about the bank’s products and services, both in person and over the phone.Assisting with the opening and closing of Current Accounts, Savings Accounts, and Time Deposits, while ensuring all required documentation is complete.Managing customer requests such as data updates, account maintenance, passbook printing, and additional services (Bank References, Standing Instructions, Stop Payment Orders, etc.).Providing information on account balances, clearing rejections, incoming transfers, and other requested details.Handling customer complaints and ensuring proper resolution in line with procedures.Managing customer documentation and updating customer data in compliance with applicable regulations.Supporting the implementation of AML, CFT & PFPS (Anti-Money Laundering, Counter-Terrorism Financing & Prevention of Proliferation of Weapons of Mass Destruction) programs, as well as KYC principles.Assisting the business team in introducing banking products and services to the public.Maintaining service quality, document accuracy, and proper administration and inventory management within the unit.About You:We are looking for a professional, communicative, and service-oriented individual with the following qualifications:Minimum Diploma (D3) degree in any major.Fresh graduates are welcome to apply, or at least 1 year of experience in administration, customer service, or a related field.Basic understanding of banking products and services (including digital services).Understanding of Know Your Customer (KYC) principles and the importance of Customer Experience.Familiarity with banking policies and operational procedures.Strong emotional intelligence and ability to handle complaints professionally.Clear, friendly, and professional verbal and written communication skills.Proficient in Microsoft Office.Proficiency in more than one language is an advantage, especially English or relevant local languages based on operational needs.
About the Role:Develop and build products for the iOS platform.Design and develop mobile applications, and create other products in the future.Write high-quality and maintainable code.Participate in design discussions, review, and propose/implement solutions for technical issues and challenges.About You:Minimum Bachelor's degree in Computer Science or a related field.Expertise in the iOS platform, with programming skills in Kotlin/Swift.Proficiency and experience in Cloud Computing.Strong understanding of algorithms, data structures, performance optimization techniques, and OOP programming.At least 1 year of work experience in iOS application development; recent graduates are encouraged to apply.
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: Create feature requirements and PRD for the Corporate accountCollaborate closely with engineering, UI/UX, QA, and other cross-functional teams to define, develop, and deliver product features and solutions for corporate accountsParticipate actively in development processes, including sprint planning, backlog grooming, and sprint reviewsEnsure timely and effective communication of product updates and progress to internal and external stakeholdersMonitoring and analyzing product performance data, identifying areas for improvement, and iterating on existing features based on customer feedback and market trends. About You:A minimum of 3 years’ hands-on experience in a Product role in the banking or financial services industryExperience in digital banking and/or financial technology companies is a significant plusFamiliarity and sufficient knowledge of SQL and data analyticsStrong analytical skills and put attention to detailsHigh proficiency in EnglishStrong and highly motivated with a positive mindset attitudeComfortable working in a dynamic and fast-paced environment
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:As a Business Development Manager, you will lead the strategic planning and development of banking products—from conceptualization to execution. You will ensure that each product initiative aligns with organizational goals, is supported by the right infrastructure, and complies with all applicable regulatory standards.In this role, you will:Manage the end-to-end development of banking products, ensuring alignment with business objectives.Collaborate across divisions—including application development, engineering, compliance, and marketing—to drive product innovation and successful delivery.Develop and implement strategies to obtain regulatory approvals and necessary compliance certifications for digital banking products.Work closely with regulatory authorities, legal advisors, and compliance teams to navigate regulatory requirements and mitigate associated risks.Coordinate digital banking product development by leveraging market research and industry insights.Partner with the application development team to design features that meet customer needs and reflect market trends.Generate leads for potential partner merchants and strategic partnership with ecosystem players in order to grow Krom user baseManage partnership from leads to landing partners to achieve business objectives
About You:Bachelor’s degree (minimum S1) in Business Administration, Management, Finance, or a related field.Proven experience in business development or product management, with a strong focus on digital banking products.In-depth understanding of digital banking technologies, processes, and industry best practices.Strong analytical mindset with proficiency in data analysis tools and techniques to evaluate product performance, identify trends, and support data-driven decision-making.Excellent communication and interpersonal skills, with the ability to build strong relationships with internal and external stakeholders and effectively influence key decision-makers.
Key Responsibilities:Providing Legal Advice: Offering comprehensive and strategic legal advice to the bank's management, business units, and other stakeholders on a wide range of issues, including banking law, corporate law, contract law, regulatory compliance (Bank Indonesia and OJK regulations), and other relevant legislation.Drafting and Reviewing Legal Documents: Preparing, reviewing, and negotiating various legal documents such as loan agreements, security documents, contracts with vendors and service providers, powers of attorney, and other legal instruments to ensure they are legally sound and protect the bank's interests.Maintaining Legal Documents: Maintaining signed agreements, transaction documents, power of attorneys, and other relevant legal documents and liaising with the corporate secretary division in maintaining those legal documents.Ensuring Regulatory Compliance: Monitoring changes in Indonesian laws and regulations, particularly those related to the banking and financial services industry, and advising the bank on necessary adjustments to policies and procedures to ensure ongoing compliance with among others, Bank Indonesia (BI) and the Financial Services Authority (Otoritas Jasa Keuangan - OJK) regulations.Managing Legal Risk: Identifying potential legal risks and advising on strategies to mitigate these risks. This includes providing guidance on new products and services to ensure they comply with legal requirements.Handling Litigation and Disputes: Managing and overseeing any legal disputes or litigation involving the bank, attending requests from police officers, attending requests from LAPS SJK, working with external counsel when necessary, and striving for favorable resolutions.Corporate Governance: Advising on matters related to corporate governance, including compliance with articles of association, board resolutions, and best practices.Legal Research: Conducting thorough legal research on various topics to provide accurate and up-to-date advice.Liaising with Regulatory Bodies: Interacting with Bank Indonesia, OJK, and other relevant government agencies on legal and regulatory matters whenever necessary.Training and Awareness: Conducting legal training for bank staff on relevant legal and regulatory issues to promote awareness and compliance.Supporting Corporate Actions: Providing legal support for corporate actions such as mergers, acquisitions, fundraising, and other strategic initiatives.
Requirements:Educational Background: A Bachelor's degree in Law (Sarjana Hukum) from a reputable university in Indonesia. A Master's degree in Law (LL.M.) or a specialization in banking/finance law, business law, or commercial law can be an advantage.Professional Experience: A mixed combination between law firm experience and in-house practice specifically in banking industries or financial technology is highly preferred.Bar Admission (PERADI): Must be admitted to the Indonesian Bar Association (Perhimpunan Advokat Indonesia - PERADI) and possess a valid advocate license (Kartu Tanda Pengenal Advokat - KTPA).Knowledge of Indonesian Banking Law and Regulations: A strong understanding of Indonesian banking laws, regulations issued by Bank Indonesia and OJK, capital market, and other relevant commercial and corporate laws is crucial. Familiarity with regulations related to anti-money laundering (AML), know-your-customer (KYC), data protection (UU ITE), and consumer protection is also important. Familiarity with credit/loan structuring, security execution process, and non-performing loan handling strategies is a plus point.Excellent Drafting and Negotiation Skills: Proven ability to draft, review, and negotiate a wide range of legal documents in both Bahasa Indonesia and English.Strong Analytical and Problem-Solving Skills: Ability to analyze complex legal issues, provide well-reasoned legal opinions, and develop effective solutions.Excellent Communication and Interpersonal Skills: Ability to communicate legal concepts clearly and concisely to both legal and non-legal audiences, as well as build strong working relationships with internal and external stakeholders.Fluency in English: Proficiency in both written and spoken English is often mandatory, especially in international banks or those dealing with cross-border transactions.
About the Role: We are looking for a Software Engineer in Test (SEiT) to drive holistic product quality through a hybrid approach of testing excellence, automation engineering, and process improvement.
In this role, you will go beyond manual execution. You will be responsible for building sustainable automation, integrating quality checks into CI/CD pipelines, and ensuring our systems perform reliably under load. You will partner with squads to own quality outcomes from design to release.
Key Responsibilities:Quality Engineering & Strategy: Collaborate with Product and Engineering teams to define risk-based testing strategies and deeper exploratory testing sessions to uncover complex edge cases.Automation Engineering: Design, develop, and maintain reliable automated test scripts (API, Web, Mobile) and ensure they are integrated into the CI/CD pipeline for faster feedback loops.Performance Testing: Plan and execute performance tests (load and stress testing) to ensure system reliability and responsiveness, identifying bottlenecks before they impact users.Process Improvement: Drive the adoption of quality gates, improve defect prevention mechanisms, and contribute to measurable quality outcomes (e.g., reducing escaped defects).Release Readiness: Act as a quality owner for your domain, communicating clear go/no-go risks based on data and test results.
About You:Hybrid Mindset: You are comfortable shifting between manual exploratory testing and writing code for automation; you understand that manual excellence alone is insufficient.Engineering First: You treat test code as production code, prioritizing maintainability, reliability, and stability.Performance Minded: You understand how systems behave under stress and can interpret performance metrics (latency, throughput, error rates).Problem Solver: You don't just report bugs; you help debug failures, analyze root causes, and propose preventive actions.Ownership: You take accountability for the end-to-end quality of your assigned features or services.
Technical Skills:Programming: Proficient in at least one programming language (e.g., Python, Java, Go, or JavaScript) to build robust test frameworks.Test Automation: Experience with frameworks such as JUnit, TestNG, Pytest, Mocha, or Appium.Performance Tools: Experience with performance testing tools (e.g., k6, JMeter, Gatling, or Locust).CI/CD & DevOps: Understanding of CI/CD basics (e.g., Jenkins, GitLab CI, GitHub Actions) and how to debug pipeline failures.API & Database: Strong proficiency in API testing (Postman/Bruno) and SQL for database validation.Version Control: Comfortable using Git for code management and collaboration.
Reponsibilities:Conduct general audit at the head office and branches to ensure compliance with procedures, policies, and regulations.Conduct field audits and documentation of activities at the head office and branch offices.Conduct credit audits at the head office and branch offices.Report detailed audit findings to senior management and the audit committee.Provide improvement recommendations to enhance operational efficiency and compliance.Keep up with developments in digital banking regulations to ensure audits meet current standards.Support the monitoring process for follow-up actions on the provided audit recommendations.
Requirements:Minimum bachelor's degree (S1) in Accounting, Economics, or an equivalent field.Fresh graduates are welcome to apply, with a strong interest in banking audit.Having a credit auditing exposure is more preferredIn-depth understanding of banking regulations.Strong analytical and problem-solving skills.Experienced in conducting operational audits, branch audits, financial statement audits, or head office function audits.Ability to identify risks, evaluate internal control systems, and report audit findings.
In this role, you will be responsible for executing technical risk assessments and validation of security controls, contributing to the protection of the bank's systems, data, and infrastructure from cyber threats, technology failures, and operational risks. You will assess the effectiveness of operational activities, validate controls, and ensure that technical risks are being managed within the Bank’s risk appetite and ensuring compliance with digital banking regulations and aligned with the bank's business strategy.
About The Role:Conduct detailed risk assessments ensuring alignment with regulatory requirements (OJK and BI) and industry best practices (ISO 27001, NIST, COBIT, CIS, etc) on IT product, infrastructure, and processes to maintain the integrity of the bank's risk framework.Analyze architectures and configurations to identify risks and propose actionable Risk Treatment Plans (RTP) to mitigate them.Validate and test controls to verify they are operating effectively and mitigating risks as designed.Assess the security impact of new banking products and technology initiatives to ensure potential security exposures are identified and understood before deployment.Monitor and track the progress of open Risk Treatment Plans (RTPs) and ensure that remediation adheres to agreed timelines and quality standards.Translate technical findings into objective risk reports that facilitate the alignment of technology risk strategy with broader business objectives.Coordinate with the IT and Information Security team within incident management, disaster recovery, or risk event discovery to validate root cause analysis and ensure future prevention strategies are sound.Collaborate with implementation teams to ensure proper and adequate controls are implemented within new projects, changes, or initiatives.
About You:Bachelor’s degree in Computer Science, Engineering, Information Systems, or a related technical discipline.Minimum 2–4 years of hands-on experience in a technical role such as Security Engineering, Network Engineering, or System Administration; prior experience in Blue Team is highly recommended.Ability to understand underlying technologies to identify where they might fail or be exploited.Demonstrated assertiveness and confidence to challenge implementation teams on their progress and ensure risk treatments are completed on time.Strong written and verbal communication skills to articulate technical risks to non-technical stakeholders.A strong growth mindset with a demonstrated willingness to learn new risk frameworks, banking regulations, and emerging technologies.Professional certifications in practical security domains (e.g. Security+, CEH, etc) are a plus.
