Account Officer (Funding) KC Juanda

Krom; Kota Bandung; On-site; IDR 200.000.000 - 300.000.000; Full time

Job summary

A regional bank is seeking an Account Officer (Funding) to acquire and manage customer portfolios in Bandung, Indonesia. The role involves building long-term relationships, offering tailored deposit products, and ensuring excellent banking experiences. Ideal candidates should have a Bachelor's degree and at least 2 years of marketing experience in banking. Strong communication and analytical skills are essential.

Qualifications

• Minimum 2 years of marketing experience in the banking industry.
• Strong knowledge of banking policies and funding products.
• Understanding of credit principles and risk assessment.

Responsibilities

• Acquire new customers across various segments.
• Manage and deepen relationships with existing customers.
• Identify and offer suitable funding solutions.
• Monitor funding portfolio performance and address potential declines.
• Ensure compliance with internal policies and external regulations.

Skills

Customer relationship management

Excellent communication skills

Negotiation skills

Analytical skills

Business acumen

Education

Bachelor's degree (S1) in any major

Job description

About the Role:

As an Account Officer (Funding), you will be responsible for acquiring, developing, and managing customer portfolios to drive sustainable growth of third-party funds (DPK). You will be the Bank’s frontline in understanding customer needs, offering tailored deposit products, and building long-term, mutually beneficial relationships with customers.

Your role also plays a critical part in strengthening customer loyalty through proactive service, cross-selling funding products, and ensuring excellent banking experiences. The performance of an Account Officer will directly impact the branch’s and the Bank’s overall funding growth.

Key Responsibilities include:

• Acquire new customers across individual, business, community, institutional, and high-potential segments to grow the branch’s DPK portfolio.
• Manage and deepen relationships with existing customers to increase loyalty, deposits, and usage of other funding products.
• Proactively identify customer needs and offer suitable solutions (savings, current accounts, deposits, or loans—both conventional and digital).
• Conduct regular visits, product presentations, interest rate negotiations, and trust-building activities with potential customers.
• Monitor and analyze funding portfolio performance, anticipating potential balance declines or fund shifts.
• Coordinate with product, operations, and customer service teams to ensure smooth account opening, fund placements, and premium services.
• Prepare and deliver daily/weekly reports on funding activities, pipeline development, portfolio updates, and customer visits to the Branch Manager.
• Handle customer complaints and escalations promptly while ensuring service standards.
• Ensure compliance with internal policies and external regulations (KYC, AML, prudential banking principles).
• Collaborate with Lending Account Officers to cross-refer customer needs for loan products.

About You:

We are seeking a results-oriented and customer-driven professional who:

• Holds a Bachelor’s degree (S1) in any major.
• Has at least 2 years of marketing experience in the banking industry.
• Possesses strong knowledge of banking policies, procedures, and funding products.
• Understands credit principles and risk assessment.
• Brings an established customer network (preferred).
• Demonstrates excellent communication, negotiation, and relationship management skills.
• Is proactive, analytical, and target-focused with strong business acumen.