job description
Join Wealth Development Bank Corp. as our Commercial Lending Division Head and lead the strategic vision for commercial loan products in our dynamic financial institution. Based in Badung, Bali, this executive role offers the opportunity to drive innovation, optimize lending portfolios, and foster long-term client relationships in a fast-growing market.
As the Division Head, you will oversee the development and execution of commercial lending strategies, ensuring alignment with the bank’s financial goals and regulatory standards. Your leadership will be pivotal in expanding our commercial loan offerings, enhancing risk management frameworks, and delivering exceptional service to corporate and SME clients. This role is ideal for a seasoned banking professional with a proven track record in commercial lending, team leadership, and strategic business development.
At Wealth Development Bank Corp., we empower our leaders to make impactful decisions, foster a culture of excellence, and contribute to the economic growth of the communities we serve. If you are a visionary leader passionate about shaping the future of commercial banking, we invite you to apply and take the next step in your career with us.
Responsibility
- Develop and implement strategic plans for the Commercial Lending Division, ensuring alignment with the bank’s overall business objectives and growth targets.
- Lead the design, pricing, and promotion of commercial loan products, including term loans, revolving credit, and structured financing solutions.
- Oversee credit risk assessment and approval processes, ensuring compliance with internal policies and regulatory requirements (e.g., OJK, BI).
- Build and maintain strong relationships with corporate clients, SMEs, and key stakeholders to drive loan portfolio growth and retention.
- Monitor market trends, competitor offerings, and economic conditions to identify opportunities for product innovation and expansion.
- Manage and mentor a high-performing lending team, fostering professional development and operational excellence.
- Collaborate with cross-functional teams (e.g., Risk, Compliance, Treasury) to optimize lending processes and mitigate financial risks.
- Prepare and present regular reports on division performance, including loan disbursements, delinquency rates, and profitability metrics to senior management.
Qualifications
- Bachelor’s degree in Finance, Business Administration, Economics, or a related field; Master’s degree or MBA is a plus.
- Minimum 10 years of experience in commercial banking, with at least 5 years in a leadership role (e.g., Division Head, VP of Lending).
- Proven expertise in commercial loan structuring, credit analysis, and portfolio management for corporate and SME clients.
- Strong understanding of Indonesian banking regulations (OJK, BI) and international lending standards (e.g., Basel III).
- Exceptional negotiation, communication, and stakeholder management skills to engage with clients and internal teams.
- Demonstrated ability to drive revenue growth, improve operational efficiency, and manage high-value loan portfolios.
- Proficiency in financial modeling, risk assessment tools, and banking software (e.g., Temenos, FIS).
- Fluency in English and Indonesian; additional regional languages are advantageous.