Total 21 job vacancies by Cermati.com

• Manage Fraud risk Operations, including but not limited to Prevention, Detection, Investigation and Monitoring.
• Identify fraudulent and high risk applications and/or transactions.
• Develop and manage fraud risk strategics, including the creations of rules and triggers to detect and prevention fraud also monitoring risks and implementing preventive measures.
• Determined fraud by analyzing accounts and transactions pattern.
• Develop fraud risk reports for management, highlighting trends, mapping high risk area.
• Training employee on anti fraud best practices.
• Work closely with other team to ensure fraud risk is considered in all new initiative and complied with regulator.
• Stay updated and connected with the same industries, technologies and regulatory changes related to fraud prevention.
• Liaise with superior.

• Develop Enterprise Risk Management Framework, Policy, Procedures and all relevant documents to ensure the Company operates within the OJK requirements and risk policies.
• Identify gaps in the implementation against regulations, standardized methodology and/ or best practice and plan for practicable improvements.
• Drive an effective implementation of Enterprise Risk Management, across the Company, in line with Group and Regulatory Governance Framework principle and Policy.
• Manage risk management programs for multiple domain, i.e. multi finance, P2P Lending, and insurance broker.
• Lead the risk reporting preparation to ensure delivery of accurate, timely, and good quality reports, as required by Group and Regulator.
• Communicate findings and insights to various stakeholders, including senior management and related departments for timely risk mitigation.

• Managing team of Marketers to help achieve company top level goal
• Perform Data Analysis to analyze and evaluate marketing spent effectiveness across all channels such as Offline, Online, Social Media, SEO, SEM
• Translating data into business insights and decisions (think: performance, data driven digital marketing)
• Supervise the production of written and visual materials based on your analysis and summarizing your findings for internal and our customer, including but not limited to blog posts, infographic, videos

• Strategic Procurement Planning: Develop and implement a comprehensive procurement strategy aligned with the company's overall business objectives
• Supplier Relationship Management: Establish and maintain strong relationships with suppliers, ensuring timely delivery, quality standards, and competitive pricing
• Contract Negotiation: Negotiate and manage contracts with suppliers to secure favorable terms and conditions, including pricing, payment terms, and performance metrics
• Cost Reduction: Identify opportunities for cost reduction and implement strategies to optimize procurement spend
• Risk Management: Assess and mitigate procurement risks, including supply chain disruptions, quality issues, and financial risks
• Supplier Performance Evaluation: Establish and monitor key performance indicators (KPIs) to evaluate supplier performance and drive continuous improvement.
• Procurement Systems and Processes: Oversee the procurement process from requisition to payment, including supplier on-boarding, order placement, and invoice processing, and find opportunities for process efficiencies
• Team Management: Lead and develop a team of procurement professionals, providing guidance, training, and mentorship

1. Facility Management

• Ensure office facilities and infrastructure are well-maintained, secure, and operational
• Manage office space planning, including seating arrangements and equipment distribution
• Oversee maintenance, cleaning, security, and safety standards
• Manage relationships with service providers for utilities, maintenance, and office supplies

2. Vendor and Contract Management

• Negotiate and manage contracts with suppliers and vendors for office equipment, utilities, and other operational services
• Monitor contract compliance and address any service issues or disputes.
• Source and establish relationships with new vendors when needed

3. Asset Management

• Maintain accurate records of company assets, such as furniture, equipment, and vehicles
• Ensure efficient use of company resources and coordinate repairs or replacements as necessary

4. Safety and Compliance

• Ensure workplace safety protocols are followed in line with company and regulatory requirements
• Conduct regular safety inspections and organize training sessions for employees
• Handle emergency preparedness, including evacuation plans and first-aid measures

5. Administrative Support

• Supervise administrative staff and assign tasks as required
• Ensure smooth communication between departments for administrative needs
• Oversee the procurement of office supplies, furniture, and other necessities

6.Budgeting and Cost Control

• Develop and manage the General Affairs department’s budget.
• Monitor expenditures, ensuring adherence to budgets and cost-effectiveness

7.Policy Development

• Develop, update, and implement company policies related to general affairs and facilities management
• Ensure compliance with environmental, health, and safety regulations

• Responsible for end-to-end merchant acquisition pipeline starting from lead generation to commercial negotiations up to the launch of the partnership for Modern & Traditional Retail
• Develop a deep understanding of both our and our partners' products
• Prepare presentation and deliver compelling sales pitch to potential partners
• Develop and maintain trusted relationships with new potential partners
• Conduct market research and benchmarking to identify competitive information on new developments in the market
• Collaborate with the internal stakeholders (such as Tech, Marketing, Operations) to ensure successful launch of new partnerships
• Ensure collection of Account Receivables are within agreed Terms of Payment
• Establish good relationships with Head of Project and any key client PIC who have collaborated
• Keep improving the profitability metrics of Offline Retail projects
• Keep improving the Service quality of after sales by onboarding partners that can improve our SLA

• Build and maintain strong, long-lasting relationships with corporate clients by understanding their unique insurance needs for EB and offering tailored solutions.
• Analyze client insurance portfolios, assess risk exposure, and recommend adjustments or enhancements to coverage during clients renewal process.
• Oversee EB insurance renewal process, ensuring seamless transitions and proactively addressing any changes or challenges.
• Act as the main point of contact for clients throughout clients' policy journey including claims process and endorsement process, then coordinate internally with operation team to handle client requests.
• Facilitate efficient resolution towards any clients inquiries and be the advocate for client interest
• Educate clients on insurance products, coverage options, and risk management strategies to help them make informed decisions.
• Identify opportunities for cross-selling additional insurance products and services to existing clients.
• Provide value adding relationship to clients and such as coordinating wellness program

1. Mengelola dan memonitoring kinerja Collection dan Recovery untuk memastikan pencapaian target yang telah ditentukan.
2. Memberikan laporan, informasi dan feedback terhadap atasan terhadap pencapaian target Deliquency, Moving AR secara harian, mingguan dan bulanan.
3. Membantu kolektor dalam melakukan upaya penagihan terhadap customer yang bersifat kasus.
4. Mensupervisi tim serta memberikan coaching bagi Field Collector.
5. Memberikan penanganan terhadap Field Collector yang performanya menurun.
6. Monitoring hasil kunjungan dan jumlah kunjungan Field Collector
7. Melaporkan dan mendiskusikan pencapaian target, masalah dan kesulitan yang dialami kepada atasan.
8. Membagi wilayah penanganan untuk masing-masing collector.
9. Mengelola dan monitoring pembayaran konsumen.
10. Memberikan analisa penanganan konsumen dan melaporkannya ke atasan.
11. Melakukan review dan memberikan persetujuan terhadap rencana kunjungan.
12. Melaporkan dan mendiskusikan pencapaian target cabang, masalah dan kesulitan yang dialami kepada atasan.

- Managing day to day activities and continous improvement of telesales team 

- Coordinate responsibilities and capacity planning for target fulfillments for their team.

- Actively monitor team performance on daily basis by generating the reports

- Involved in script development and enhancement as well as the development of the tools.

• Acquire new retail merchants as partners for Indodana’s products
• Responsible for end-to-end merchant acquisition pipeline starting from lead generation to commercial negotiations up to the launch of the partnership
• Develop a deep understanding of both our and our partners' products
• Prepare presentation and deliver compelling sales pitch to potential partners
• Develop and maintain trusted relationships with new potential partners
• Conduct market research and benchmarking to identify competitive information on new developments in the market
• Collaborate with the internal stakeholders (such as Tech, Marketing, Operations) to ensure successful launch of new partnerships

In this role, you are the main person in charge of all regulatory and internal policy compliance activities in the company. You will play a critical role in supporting new business development, new products, and ensuring business continuity by ensuring compliance to applicable laws and regulations. You will be managing a small team of compliance staff, handling a couple of business units in Cermati Fintech Group.

To succeed in this role, you will need both strong analytical minds and knowledge of the regulations in the fintech/financial industry, and show communication and influencing skills towards the regulators.

• Drive key projects related to new licensing with Bank Indonesia, OJK, Bappebti, or other applicable regulators
• Stay up-to-date with new and updates to current regulations, assess and interpret the impact on our business
• Review and/or recommend updating and improving the Company policies, provisions, systems and procedures with the provisions of regulation and the prevailing laws and regulations.
• Liaise with different stakeholders to drive the necessary changes to comply with the law and regulations
• Actively develop professional network and influence within the applicable associations and regulators (AFPI, APPARINDO, AFTECH, etc)
• Ensure all routine and adhoc reports to regulators are submitted accurately and in a timely manner
• Perform or direct the internal investigation of risk compliance issues

• Serve as a the leader for the Human Resources team
• Advise, counsel and influence the business leadership team in executing the people operation 
• Can drive organizational transformation and change management in a manner that is acceptable to stakeholders
• Lead talent management, performance management, compensation benefit / total rewards, organizational development, employer branding, recruitment and compliance management to make sure business is running well
• Drive initiatives focused on employee satisfaction
• Advise on things that can be improved especially in HR and Business initiatives related to HR.
• Lead the performance management and talent management process process
• Lead initatives across the HR team

• Manage and execute strategic marketing partnerships across different verticals
• Collaborate with the BD Team to develop offline & online channel growth strategies to acquire merchants
• Drive the end-to-end strategic business development initiatives - identifying the potential collaboration areas, formulating the partnership strategy, and ensuring the strategic commitments are fully optimized and delivered
• Generate insightful reports to measure performance across various partnership deals and continuously optimize upselling process with Payment Gateway & EDC Partners.
• Maintain accurate and updated Partnerships Trackers and manage weekly partnership KPIs.
• Supervise and interact closely with various teams.
• Manage day-to-day relationships with third-party both Payment Gateway and EDC partners.

• Partner with the operations leadership team, including partner operations across all segments, partner integrations, and launch teams to ensure smooth and efficient operations.
• Evaluate current processes, technologies, and workflows to identify areas for improvement and implement solutions to enhance partner experiences.
• Develop and implement strategies to increase operational efficiency and scalability while maintaining high standards of quality.
• Define key metrics, targets, and measurements to manage day-to-day business operations and improve transparency of team performance.
• Ensure all operational data analysis related needs are met and produce timely reporting and analysis for the operations team.
• Create and manage all financial plans, including forecasting and tracking performance.  Develop and implement action plans as needed.  
• Develop and maintain staff capacity plans for all Platform Operations functions.
• Collaborate cross-functionally with other teams such as product, engineering, sales, and customer success to drive operational excellence and support company goals.
• Evaluate, procure, and manage technology stack to support the operations teams.
• Stay informed about industry trends, best practices, and emerging technologies to drive innovation and maintain a competitive edge.
• Lead and mentor operations strategist team to develop their skills and grow their careers.

• Manage and responsible for the Collection Operations of the company
• Liaise with Superior (Risk Management Head) as well as other top management
• Ensure that the company runs with legality and conformity to established regulations
• Review regularly the efficiency of collection process, policies and people through data driven analysis, and apply improvements
• Collaborate with various functions (Product, Engineering, HR, Finance, Marketing, Collection, Risk Modelling, and Business Intelligence) to boost efficiency and productivity
• Review and adjust operational budgets to balance between cost vs credit loss (as well as company profitability)
• Manage customer support processes and manage them to enhance customer satisfaction
• Responsible for staffing, resource allocation, KPI & Target setting and measurements. Ensure capacity of credit operation is planned well to meet the growth target of the company.

• Responsible for sales targets in accordance with the area
• Daily visit to merchant and make good relationship with PIC store 
• Ensuring the program in its area runs well and the programs sales targets can be met
• To ensure placement POP material promotion in store
• Coordinate with partner operational teams to obtain information regarding sales, competitors and field issues
• Handle around 15-20 Sales Promoters
• Monitoring the daily activities of Promoters
• Conducting field team training and refreshment training for Promoter
   

• As part of Operation Team to minimize risk, detect and prevent fraud/complain and improving quality of all agents

• Monitoring and responsible for the overall Quality Assurance Process

• Liaise with QA Ops Manager regarding operation daily

• Review quality assurance policies and procedures

• Develop, recommend and monitor corrective and preventive actions

• Update internal policy & SOP based on new regulations from regulator

• Prepare reports to communicate outcomes of quality activities

• Identify and organize training needs to meet quality standards

• Coordinate collaborations with other departments.

• Conduct Internal and External calibration

• Monitoring and developing team performance and coaching team if needed

• Responsible for conducting credit evaluations on companies to ensure loan feasibility and repayment capability.
• Work in credit risk management teams to identify and evaluate credit risks, and provide recommendations on loan approvals or rejections.
• Play a key role in supporting the growth of productive credit portfolios and ensuring the quality of credit assets is maintained.

Main Responsibilities:

• Credit Analysis: Conduct comprehensive credit analysis on companies to assess creditworthiness, including analyzing financial statements, cash flows, financial ratios, and business risks. Generally, Credit Analysts should understand the assessment of the 5 Cs (character, capacity, capital, collateral, and condition).
• Risk Assessment: Evaluate credit risks associated with each company, including industry risk, market risk, and operational risk, to understand potential credit losses.
• Portfolio Monitoring: Regularly monitor the company's credit portfolio to identify potential credit risks and take necessary actions to mitigate risks.
• Credit Commitments: Analyze and determine the appropriate amount and terms of loans for each company based on credit analysis results.
• Report Preparation: Prepare credit analysis reports and credit recommendations for senior management and credit committees, including routine reports to regulators.
• Team Collaboration: Collaborate with sales teams, risk management, and other departments to ensure efficient and timely credit decision-making processes.
• Compliance and Regulation: Ensure that all credit analysis processes comply with company regulations and policies as well as applicable banking and financial compliance standards.
• Market Development: Identify new opportunities for business growth and portfolio development in relevant Company business sectors.
• Information Updates: Keep abreast of relevant industry developments and market trends to ensure continuous updates and improvements in credit analysis processes.
• Customer Relations: Build and maintain good relationships with companies to strengthen long-term business relationships.

• Acquisition of new client relationships and development of existing client relationships
• Selling a range of investment products to existing and potential clients.
• Achieving high levels of service standards and maximizing client satisfaction.
• Demonstrate awareness of budgets and accounts and profitability
• Managing teams that will help in acquiring and development of client relationships both new and existing
• Provide value adding recommendation for the clients.

• Responsible for partner sales targets in accordance with the area
• Make 5 POS visits every day
• Ensuring the program in its area runs well and the program's sales targets can be met
• Coordinate with partner operational teams to obtain information regarding sales, competitors and field issues
• Monitoring the daily activities of field teams at partners
• Conducting field team training and refreshment training with partners (offline/online)

• Develop and manage existing merchants
• Responsible for merchant growth
• Drive usage and adoption of our product, using data and best practices.
• Create and execute marketing campaign for merchant
• Collaborate with Marketing Team to give more exposures on merchants
• Generate performance report regularly and share insights to merchants for performance improvement