job description
Join BTPN Syariah, a leading Sharia-compliant bank in Indonesia, as a Financing Manager in beautiful Bali. In this strategic role, you will drive the growth of our financing portfolio by developing and executing acquisition strategies, overseeing financing operations, and making critical credit decisions in compliance with Sharia principles and banking regulations.
As a key leader in our team, you will ensure the efficient management of financing activities, maintain strong relationships with clients, and contribute to the bank’s mission of providing ethical and inclusive financial solutions. This is an exceptional opportunity for a results-driven professional with expertise in Islamic banking to make a meaningful impact in a dynamic and growing market.
BTPN Syariah offers a competitive compensation package, professional development opportunities, and the chance to work in a collaborative, values-driven environment. If you are passionate about Sharia finance and have a proven track record in financing management, we invite you to apply and be part of our journey toward financial empowerment.
Responsibility
- Develop and implement strategic financing acquisition plans to expand the bank’s portfolio in Bali and surrounding regions.
- Supervise and guide Individual Financing Officers (IFO) to ensure high performance and adherence to Sharia banking principles.
- Evaluate and approve financing applications, including determining credit limits (plafon) and tenors based on risk assessment and compliance.
- Act as a BWMP (Pejabat Wajib Melapor) officer, ensuring all financing decisions align with regulatory and internal policies.
- Monitor and analyze market trends, competitor activities, and customer needs to identify new financing opportunities.
- Build and maintain strong relationships with clients, business partners, and stakeholders to drive business growth.
- Ensure compliance with Sharia banking principles, Bank Indonesia regulations, and internal risk management policies.
- Prepare and present regular reports on financing performance, portfolio health, and strategic recommendations to senior management.
Qualifications
- Bachelor’s degree in Finance, Economics, Business Administration, or Sharia Banking (Master’s degree is a plus).
- Minimum 5 years of experience in financing, credit analysis, or banking, with at least 2 years in a managerial role.
- Strong understanding of Sharia banking principles, products, and regulations (e.g., murabahah, ijara, musyarakah).
- Proven track record in portfolio management, credit risk assessment, and financing strategy development.
- Excellent leadership, communication, and negotiation skills to manage teams and client relationships effectively.
- Familiarity with Bank Indonesia regulations, BWMP requirements, and anti-money laundering (AML) policies.
- Proficiency in financial analysis tools, banking software, and Microsoft Office (especially Excel).
- Fluency in Bahasa Indonesia and English; additional local language skills (e.g., Balinese) are advantageous.