• handling Nasabah membantu permasalahan nasabah
• Membantu menjawab pertanyaan nasabah
• Menjelaskan terkait produk kepada nasabah

About The Role

We are looking for a skilled Business & Operations Analyst to join AMODA, a leading construction tech company. In this role, you will deliver key business insights, streamline processes, and optimize operational efficiency. You’ll support our CEO Office by tracking performance metrics, driving data-driven strategies, and ensuring alignment with AMODA’s business objectives.

Job Responsibilities

• Track, analyze, and report on key performance metrics to support strategic decision-making
• Develop dashboards and reports to provide insights into business performance and operational efficiency
• Assist in the planning and execution of strategic initiatives aligned with company growth objectives
• Support project management efforts, including planning, tracking, and execution of key initiatives
• Conduct research and analysis to identify growth opportunities and areas for optimization
• Stay updated on industry trends and best practices to drive continuous improvement

• Bachelor’s degree in Management, System Information, Mathematics or a related field
• Min 1 year of experience in business analysis, operations analyst, data analyst, sales operations, sales analyst, or related roles
• Excellent analytical and problem-solving skills with the ability to interpret complex data
• Strong communication and presentation skills in both Bahasa Indonesia and English
• Ability to work independently and collaboratively with cross-functional teams
• Highly organized with strong attention to detail and time management skills
• Familiarity with project management tools (e.g., Retool, Trello) is a plus
• Strong Proficiency in Google Workspace and experience with data analytics tools (e.g., SQL, JavaScript, Looker Data Studio, etc)
• Strong strategic thinking and business acumen, with the ability to understand the broader business context and align initiatives with organizational goals

Requirements Analysis & Elicitation – Preparing Business requirements document.

Responsible to identify and define detailed functional specifications based on the business requirements document or user stories.

Analyse and propose the “to-be” business and operation processes based on the agreed requirements and / or function points, perform impact assessment and estimation.

Convey functional and non-functional requirements to System Analysts to ensure clear and complete understanding of requirements.

Work closely with Technology to ensure proposed solution aligns with requirements.

Monitor and manage risks /issues related to requirements and scope-creep.

Assist in translating business requirements into test scenarios.

Experience in Business Analysis. 5-8 years

Experience in Corporate Payments/Transaction monitoring

KYC / CDD / Account opening procedures.

Pricing and Billing

Experience in analysis and implementation – identifying operational and technological impact, to ensure alignment between solution and business requirements.

Understanding of Technology but no need to have coding experience.

Candidates should be proficient in

1. Corporate Banking

2. Knowledge of scams and their modus operandi

3. Payment Fraud

4. Internet Banking

5. Regulatory and compliance around online payments

Personal Qualities:

Articulate well. Clarity in analyzing and writing business requirements.

Not an order taker, able to push back complex build needs and offer alternate solutions.

A great team player. Collaborate and communicate well with the other BAs.

Strong analytical and problem-solving skills.

Strong presentation and meeting skills

Proactive and has initiative to thrive in a fast-paced environment to deliver and meet deadlines

Highly resourceful and self-motivated

• Prepare daily payment to supplier in line with SOP and payment schedule
• Prepare journal entries and assist monthly close process
• Perform monthly bank reconciliation
• Perform monthly intercompany reconciliation
• Prepare documentation for audit process
• Fixed Asset monitoring

• Memberikan Informasi yang dibutuhkan pelanggan mengenai produk perusahaan via Telepon sesuai SOP yang berlaku;
• Mendengarkan dengan baik setiap keluhan yang disampaikan oleh pelanggan via Telepon sesuai SOP yang berlaku;
• Memberikan solusi yang terbaik atas masalah yang dihadapi pelanggan sesuai SOP yang berlaku;
• Melayani pelanggan dengan cepat & ramah (Pelayanan Prima);
• Eskalasi ke unit terkait jika ada pertanyaan dan keluhan yang perlu diselesaikan lebih lanjut;
• Sopan dan ramah dalam berinteraksi dengan pelanggan;
• Mengikuti proses dan standar kerja;
• Mendokumentasikan interaksi pelanggan;
• Memasukan data sesuai dengan informasi atau permasalahan pelanggan secara tepat dan akurat;
• Melakukan edukasi kepada pelanggan mengenai kebijakan & ketentuan perusahaan.

1. Conduct in-depth credit analysis of group lending, including financial statement analysis, credit scoring, and risk rating assignments.
2. Monitor the performance of the credit portfolio, identifying trends, concentrations, and potential risks; prepare regular reports for management.
3. Liaise with Funding Team to define RAC per Lenders to manage PD & CoC as per agreed appetite.
4. Assist in the assessment of credit risk exposure across various portfolios and product lines, providing insights on risk mitigation strategies.
5. Maintain and update credit and portfolio databases, ensuring data accuracy and integrity for analysis and reporting.
6. Support the development and execution of stress testing scenarios to evaluate portfolio resilience under adverse economic conditions.
7. Work closely with the underwriting, finance, and compliance teams to align on credit policies and ensure adherence to risk management standards.
8. Stay informed about market trends, economic conditions, and regulatory changes that may impact credit risk and portfolio management.
9. Prepare presentations and reports summarizing credit risk assessments and portfolio performance for senior management and stakeholders.

1. Bachelor’s degree in finance, Economics, Business Administration, or a related field. A Master’s degree or relevant certifications (e.g., CFA, FRM) is a plus.
2. 5-7 years of experience in credit analysis, risk management, or portfolio management within the financial services industry, especially in micro segment.
3. Strong understanding of credit risk assessment methodologies, financial analysis, and portfolio management techniques.
4. Excellent quantitative and analytical skills, with proficiency in data analysis tools and software (e.g., Excel, SQL, or risk management software).
5. Knowledge of advanced analytical techniques, including statistical modeling.
6. Strong verbal and written communication skills, capable of presenting complex information clearly and concisely to various stakeholders.
7. High level of attention to detail and accuracy in data analysis and reporting.
8. Ability to identify issues, think critically, and develop practical solutions in a fast-paced environment.

Team Summary

The Visa team of Indonesia comprises of a highly motivated bunch of problem solvers who create impactful experiences for our clients. Here at Visa, we strive to excel with our partners via strong collaboration, we look to enable and inspire all players in the ecosystem to drive electronification of payments in the two markets.

What a Marketing Analyst does at Visa

The individual will be responsible for implementing client marketing VAS projects to our clients in Indonesia and delivering tactical marketing solutions by working closely with local and regional marketing teams, regional Partner Marketing Services team, Business Development team, Visa’s Consulting team, and external agencies.

There may also be some of the capacity of this role that will be dedicated to supporting the Indonesia marketing team on client events, merchandising, and other client marketing engagements.

The Analyst will report to the Head of Marketing, Indonesia, and based in Jakarta.

Key Responsibilities

• Bring the “best of Visa” marketing to our key clients and work cohesively with Visa marketing community locally, regionally, and globally, as well as the local Indonesia Business Development, Visa Consulting and Business Development teams.
• Be responsible for implementing Marketing VAS projects and handling co-marketing client engagements with local Visa Client Marketing team and Business Development Teams.
• Work closely with all relevant marketing and finance teams, locally and regionally, and external agencies to ensure the effective and timely delivery of revenue and margins associated to Marketing VAS commitments.
• Take charge of administrative deliverables related to client marketing project management and VAS including but not limited to marketing approvals, procurement processes, contract management and VIK process management in full compliance with Visa’s policy and process.
• Be responsible to support marketing related activities in cross-functions / company events as assigned and upon business context and requirements (client forums, client events, merchandising, and other client marketing engagements). Participate in the internal business agenda and activities cross-functionally as assigned and act as Visa’s brand custodian to ensure all marketing materials adheres to internal branding guidelines.

Why this is important to Visa

Successfully handling this position will allow Visa to meaningfully support our clients and partners to excel in their marketing initiatives as well as to scale up the Marketing VAS delivery. It thereby drives our common interest in stabilizing and growing clients’ as well as Visa’s business.

• Take sample from plant based on schedule and give/deliver empty sample container for next sampling.
• Analyze sample accurate and precisely based on SOP and safety prosedure include re-analyze if required
• Conduct direct analysis in field/ on equipments in production if necessary.
• Conduct standard verification on laboratory equipment based on schedule and prepare changing carrier gas
• Conduct minor maintenance if there are equipment breakdown
• Responsible for testing and supporting process in accordance with LQMS (Lab Quality Management System).
• To implement ISO 90001; ISO 140001; ISO 50001; ISO 17025; Security Management System in Polymer laboratory

1. Memberikan Informasi yang dibutuhkan pelanggan mengenai produk perusahaan via Telepon sesuai SOP yang berlaku;

2. Mendengarkan dengan baik setiap keluhan yang disampaikan oleh pelanggan via Telepon sesuai SOP yang berlaku;

3. Memberikan solusi yang terbaik atas masalah yang dihadapi pelanggan sesuai SOP yang berlaku;

4. Melayani pelanggan dengan cepat & ramah (Pelayanan Prima);

5. Eskalasi ke unit terkait jika ada pertanyaan dan keluhan yang perlu diselesaikan lebih lanjut;

6. Sopan dan ramah dalam berinteraksi dengan pelanggan;

7. Mengikuti proses dan standar kerja;

8. Mendokumentasikan interaksi pelanggan;

9. Memasukan data sesuai dengan informasi atau permasalahan pelanggan secara tepat dan akurat;

10. Melakukan edukasi kepada pelanggan mengenai kebijakan & ketentuan perusahaan.

• Memberikan Informasi yang dibutuhkan masyarakat mengenai program vaksin & kesehatan dari pemerintah via Email & Livechat atau media chat sesuai SOP yang berlaku;
• Mendengarkan dengan baik setiap keluhan yang disampaikan oleh masyarakat via Email & Livechat sesuai SOP yang berlaku;
• Memberikan solusi yang terbaik atas masalah yang dihadapi masyarakat sesuai SOP yang berlaku;
• Eskalasi ke unit terkait jika ada pertanyaan dan keluhan yang perlu di selesaikan lebih lanjut;
• Sopan dan ramah dalam berinteraksi dengan masyarakat;
• Mengikuti proses dan standar kerja;
• Mendokumentasikan interaksi dengan masyarakat.

• Memberikan Informasi yang dibutuhkan pelanggan mengenai produk perusahaan via Telepon sesuai SOP yang berlaku;
• Mendengarkan dengan baik setiap keluhan yang disampaikan oleh pelanggan via Telepon sesuai SOP yang berlaku;
• Memberikan solusi yang terbaik atas masalah yang dihadapi pelanggan sesuai SOP yang berlaku;
• Melayani pelanggan dengan cepat & ramah (Pelayanan Prima);
• Eskalasi ke unit terkait jika ada pertanyaan dan keluhan yang perlu diselesaikan lebih lanjut;
• Sopan dan ramah dalam berinteraksi dengan pelanggan;
• Mengikuti proses dan standar kerja;
• Mendokumentasikan interaksi pelanggan;
• Memasukan data sesuai dengan informasi atau permasalahan pelanggan secara tepat dan akurat;
• Melakukan edukasi kepada pelanggan mengenai kebijakan & ketentuan perbankan.

• Memberikan Informasi yang dibutuhkan konsumen mengenai layanan via telepon.
• Mendengarkan dengan baik setiap keluhan yang disampaikan oleh konsumen via telepon.
• Memberikan solusi yang terbaik atas masalah yang dihadapi konsumen via telepon.
• Melayani konsumen dengan cepat.
• Sopan dan ramah dalam berinteraksi dengan konsumen.
• Mengikuti proses dan standar kerja yang berlaku
• Mendokumentasikan interaksi dengan konsumen.

• Memberikan Informasi yang dibutuhkan konsumen mengenai produk perusahaan via Telepon sesuai SOP yang berlaku
• Mendengarkan dengan baik setiap keluhan yang disampaikan oleh konsumen via Telepon sesuai SOP yang berlaku
• Memberikan solusi yang terbaik atas masalah yang dihadapi konsumen sesuai SOP yang berlaku
• Melayani konsumen dengan cepat
• Eskalasi ke unit terkait jika ada pertanyaan dan keluhan yang perlu di selesaikan lebih lanjut
• Sopan dan ramah dalam berinteraksi dengan konsumen
• Mengikuti proses dan standar kerja
• Mendokumentasikan interaksi konsumen

• Menghubungi customer, Menjual dan menawarkan produk perusahaan kepada customer dengan target yang sudah ditentukan oleh perusahan
• Menelepon dan verifikasi data ke customer
• Membuat laporan pemesanan customer dengan lengkap