job description
Join Mandiri Andalan Utama, a leading financial services provider in Indonesia, as a Micro Banking Relationship Officer and play a pivotal role in expanding our microfinance operations across Bali’s most vibrant regions. This is an exceptional opportunity for a dynamic professional to build lasting relationships with small business owners, entrepreneurs, and local communities while driving financial inclusion and business growth.
In this role, you will be based in one of our strategic locations—Canggu, Ubud, Denpasar, Jimbaran, Nusa Dua, Kuta, or Badung—where you’ll engage directly with clients to understand their financial needs, offer tailored banking solutions, and ensure exceptional service delivery. You’ll work in a fast-paced, customer-centric environment, leveraging your interpersonal skills and financial acumen to foster trust and loyalty among our micro-banking clients.
At Mandiri Andalan Utama, we value innovation, integrity, and collaboration. As a Micro Banking Relationship Officer, you’ll enjoy a competitive compensation package, including a base salary of IDR 4,000,000 – IDR 4,200,000 per month, performance-based incentives, comprehensive health and employment benefits (BPJS Kesehatan & Ketenagakerjaan), and clear pathways for career advancement. This role is ideal for individuals who are passionate about making a tangible impact in their community while growing their professional career in the financial sector.
If you thrive in a client-facing role, possess strong communication skills, and are eager to contribute to the growth of micro-businesses in Bali, we invite you to apply and become part of our mission to empower local economies through accessible financial services.
Responsibility
- Develop and maintain strong relationships with micro-business owners, entrepreneurs, and individual clients to understand their financial needs and provide tailored banking solutions.
- Conduct regular client visits and assessments to evaluate creditworthiness, financial health, and business growth potential.
- Promote and cross-sell micro-banking products, including savings accounts, micro-loans, and insurance, to meet client needs and achieve sales targets.
- Provide exceptional customer service by addressing client inquiries, resolving issues, and ensuring a seamless banking experience.
- Monitor and manage a portfolio of micro-banking clients, ensuring timely repayments and minimizing delinquency rates.
- Collaborate with internal teams, including credit analysts and branch managers, to streamline loan approval processes and enhance operational efficiency.
- Stay updated on market trends, regulatory changes, and competitive offerings to provide informed financial advice to clients.
- Participate in community outreach programs to raise awareness about microfinance and financial literacy initiatives.
Qualifications
- Bachelor’s degree in Finance, Economics, Business Administration, or a related field (or equivalent work experience).
- Minimum of 1–2 years of experience in banking, microfinance, sales, or customer relationship management, preferably in the financial services sector.
- Strong interpersonal and communication skills, with the ability to build rapport and trust with diverse clients.
- Proven ability to work independently, manage time effectively, and meet sales or performance targets.
- Basic understanding of credit assessment, risk management, and financial products tailored for micro-businesses.
- Proficiency in Microsoft Office (Word, Excel, PowerPoint) and familiarity with banking software or CRM systems is a plus.
- Fluency in English and Bahasa Indonesia; additional local languages (e.g., Balinese) are advantageous.
- High level of integrity, professionalism, and a customer-first mindset.