job description
Join Mandiri Andalan Utama as a Microfinance Relationship Officer in Bali’s most dynamic regions! This is your opportunity to drive financial inclusion by building strong relationships with micro-entrepreneurs and small business owners. As a trusted partner of Bank Mandiri, we empower communities through tailored microfinance solutions, helping local businesses thrive.
Based in the vibrant areas of Canggu, Ubud, Denpasar, Jimbaran, Nusa Dua, Kuta, or Badung, you’ll play a pivotal role in expanding access to financial services while enjoying a competitive compensation package, career growth, and a supportive work environment.
Why this role? Indonesia’s microfinance sector is booming, and Bali’s entrepreneurial spirit makes it the perfect place to make an impact. Whether you’re engaging with warung owners, artisans, or small-scale farmers, your work will directly contribute to economic empowerment.
At Mandiri Andalan Utama, we value integrity, innovation, and customer-centricity. If you’re passionate about finance, community development, and building long-term client relationships, we’d love to hear from you!
Responsibility
- Client Acquisition & Onboarding: Identify and engage potential microfinance clients, including small business owners and entrepreneurs, to expand the portfolio.
- Financial Product Education: Explain loan products, interest rates, repayment terms, and benefits to clients in a clear and transparent manner.
- Credit Assessment: Evaluate client eligibility by analyzing financial statements, business viability, and creditworthiness.
- Loan Processing & Disbursement: Facilitate smooth loan approval and disbursement processes while ensuring compliance with banking regulations.
- Relationship Management: Maintain long-term relationships with clients through regular follow-ups, financial advisory, and personalized service.
- Portfolio Monitoring: Track loan repayment performance, address delinquencies, and implement recovery strategies when necessary.
- Market Research: Stay updated on local economic trends, competitor offerings, and client needs to refine product recommendations.
- Reporting & Documentation: Prepare accurate reports on client interactions, loan disbursements, and portfolio health for management review.
Qualifications
- Education: Minimum Diploma (D3) or Bachelor’s Degree (S1) in Finance, Banking, Economics, Business Administration, or related fields.
- Experience: At least 1-2 years in sales, customer service, or microfinance (fresh graduates with strong interpersonal skills are encouraged to apply).
- Communication Skills: Excellent Bahasa Indonesia and English proficiency (verbal and written) to engage with diverse clients.
- Sales & Negotiation: Proven ability to meet targets, persuade clients, and close deals in a competitive environment.
- Local Knowledge: Familiarity with Bali’s business landscape (preferred but not mandatory).
- Tech-Savvy: Comfortable using banking software, CRM tools, and mobile applications for client management.
- Mobility: Willingness to travel within assigned regions (own motorcycle and valid driver’s license are a plus).
- Soft Skills: Strong problem-solving, adaptability, and teamwork abilities to thrive in a fast-paced setting.