Total 95 job vacancies by Cermati.com

• Research, analyze, define product features and you create metrics to measure the impact of your product to the company
• Be the primary driver of your product's planning and execution
• Write the specs of new features and enhancements
• Come up with product road map and rally other people to join your cause to realize your product vision. You are expected to be able to prototype your vision to convince others if necessary.
• Work with engineers, designers, ops, sales, legal and even external partners to make things happen

• Manage and responsible for the overall Anti-fraud & investigation Process
• Liaise with Superior (Head of Credit Ops)
• Responsible to maintain daily and weekly report
• Develops fraud model prevention initiatives
• Recovers fraud losses
• Coordinate collaborations with other departments.
• Monitoring and developing team performance and coaching if needed

• 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

• Drafts and reviews various legal documents, and/or negotiate on contracts with external partners
• Provides clear and business-driven legal advisory on all legal aspects of company operations, product and services and strategic partnerships
• Manages external notaries and external legal service providers
• Advises resolutions of disputes, litigation and regulatory matters including contracts, intellectual property, data and employment issues affecting the business
• Assists with legal due diligence for various needs
• Completes corporate secretarial responsibilities, such as the Board Meetings, Annual General Meetings, and others, including the preparation of notices, agendas, and minutes
• Maintain business license issues and registrations
• Work closely with the compliance and internal audit team in analysing and implementing relevant laws and regulations by providing updated agreements, company regulations, etc
• Support any related jobs assigned by Legal Manager and/or business stakeholders

• Acquisition of new client relationships and development of existing client relationships for mutual fund 
• 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.

• Providing existing business and generate new business opportunities by actively contacting prospects, scheduling appointments, making sales presentations and closing new General Insurance business accounts.
• Develop prospecting strategies to increase opportunities for new business.
• Build and maintain client relationships and provide oversight to account activity.
• Working closely with insurance partner for handling client claim settlement

• Responsible for creating SEO-friendly content and managing its publications throughout multiple websites.
• Optimize multiple website contents for on-page optimization and staying up to date in quality.
• Conduct keyword research using various marketing tools (Google Keyword Planner, Moz, Ahrefs,  etc) for content optimization.
• Implement strategies for link building and manage incoming backlinks to build online presence.
• Track SEO related metrics such as organic traffic, keyword rank, conversion rates, etc using Google Analytics or similar tools.
• Perform competitor analysis to identify content gaps and other improvements related to content creation or website development.
• Analyze various websites and social media pages to make recommendations for SEO related improvements.
• Coordinate and work together with design, content, product, and developers to manage SEO related projects
• Stay up-to date with newest SEO, social media, digital marketing trends, and practices that are constantly changing.

• 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.

• Manage day to day operation on the call center and logistics
• Hire, train, and monitor telesales agents
• Implement procedures to improve overall operations and meet SLA’s and sales target
• Managing and optimizing call center  
• Analyze key operations metrics to determine KPI and SLA for telesales agents

• Evaluate Team Operation as quality assurance
• Giving Feedback
• Doing calibration meeting
• Create report result evaluation

• 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.

• Interpreting data, analyzing results using query, data statistical techniques.
• Create robust, reusable data querying, transformation, and visualization processes using tools such as Excel, SQL, Big Query, Python, R and other big data tools.
• Develop analytical reports and represent large, complex sets of data through visual representation.
• Present information in a way that drives fact based decision making.
• Propose and define new business process improvement opportunities based on the data to drive business impact.
• Work with management to prioritize business and information needs.

• Melakukan pendekatan dengan konsumen untuk memberikan informasi mengenai produk Paylater
• Melakukan penjualan produk produk Paylater
• Memberikan pelayanan, menjelaskan produk, pengisian aplikasi serta keuntungan menggunakan produk Paylater
• Mencapai target akuisisi
• Melaporkan hasil penjualan (daily)
• Follow Up (melengkapi) kekurangan data pada formulir aplikasi

• Evaluate Team Operation as quality assurance
• Giving Feedback
• Doing calibration meeting
• Create report result evaluation

• 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

Job purpose

As part of Credit Risk Team to detect, prevent fraud and minimize risk.

Duties and responsibilities

• Review applicant’s documents
• Entry applicant’s data
• Conduct Phone Verification to verify customer’s data and documents
• Maintenance data request reviewer
• Make sure all procedures are followed accordingly based on policy.
• Coordinate collaborations with other departments.

• Menelepon dan melakukan verifikasi data ke customer
• Menawarkan produk-produk finansial via telepon
• Mengisi formulir dengan menggunakan program komputer yang tersedia
• Memastikan data aplikasi terisi dengan lengkap
• Memastikan customer yang mendaftar ditindaklanjuti dengan cepat dan tanggap

• Mengunjungi debitur dan melakukan pengiriman Surat Peringatan (SP) dalam masa tunggakan > 60 hari untuk melakukan validasi kondisi, analisa dan penagihan pembayaran kewajiban debitor yang belum diselesaikan.
• Menegosiasikan opsi pembayaran yang sesuai kepada nasabah
• Memonitor janji bayar debitur sesuai dengan masa tunggakan dan menagih kembali sesuai janji bayar.
• Mencari keberadaan pelanggan apabila tidak dapat ditemui baik di rumah maupun kantor
• Memastikan semua data pelanggan benar termasuk nomor telepon dan alamat
• Melaporkan dan mendiskusikan dengan atasan mengenai hasil kunjungan/penanganan. Membuat catatan atas setiap aktivitas penagihan ke dalam collection system.
• Melakukan koordinasi dengan pihak internal collection maupun unit terkait sehubungan dengan penanganan debitor 

• Source talents from various channels such as job portals, LinkedIn, etc.
• Conduct mass interview to fulfill hiring needs
• Manage and filter applications
• Effectively manage the end-to-end recruitment process in accordance to the guidelines

• 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.

• Responsible for procurement life-cycle and vendor management for marketing, work equipment, IT assets and services, and various ready-made or custom materials and services
• Negotiate contracts with key suppliers, including costs and terms of supply, service, and quality while working with cross-functional stakeholders
• Develop, implement and manage an annual vendor review process and an ongoing vendor approval process
• Analyze spend to develop cost reduction road maps and strategies
• Work with the legal department to ensure contract terms are favorable to the company
• Manage vendor onboarding and verification, and ensure NDAs are set in place to protect company information