Business Analyst (MSME)

Amar Bank; Jakarta Pusat; On-site; IDR 240,000,000 - 420,000,000; Full time

Job summary

Amar Bank is seeking a Lead or Senior Business Analyst to help the MSME team identify, analyze, and solve complex business problems. You will lead strategic initiatives, improve processes, and provide insights to boost performance.

You will work closely with top management to translate user needs into clear requirements, support KYC/KYB validation, and develop data-driven recommendations. A growth mindset and collaboration across functions are essential.

Qualifications

• Strong technical capabilities in data processing and analysis using SQL, Excel, and/or other analytical tools.
• Background or experience in business analysis, user research, data analysis, computer science, or a related field.
• Ability to understand user needs and translate them into clear business problems, requirements, and actionable insights.
• Strong communication and interpersonal skills, with the ability to collaborate effectively across functions, particularly with Product teams and other stakeholders.
• High level of initiative, curiosity, and willingness to explore and understand business and user problems.
• Strong discipline, ownership, and reliability in completing assigned tasks and delivering results.
• Willingness and ability to learn KYC (Know Your Customer) and KYB (Know Your Business) validation processes in accordance with applicable SOPs and technical guidelines.
• Experience or strong interest in using AI-assisted development and/or vibe coding approaches to build simple proof-of-concepts (PoCs) for validating business formulas, logic, or processes is highly preferred.

Responsibilities

• Conduct business matching analysis to identify alignment between user needs/problems and business solutions developed with the Product team and other functions.
• Conduct user research to identify insights, pain points, and relevant data points that support business benefits and decision-making.
• Translate research findings and user insights into clear business proposals, requirements, and problem statements, and collaborate with the Product team throughout the solution-building process.
• Support KYC and KYB validation analysis for new users/customers in accordance with SOPs and guidelines.
• Develop data-driven recommendations to support business decisions and solution development.
• Support project/initiative documentation and communicate progress, findings, and key updates to stakeholders.
• Provide support for project-related activities and other business administration needs as required.

Skills

SQL

Excel

Data analysis

User research

Communication

Initiative

KYC/KYB awareness

Education

Background in data analysis

Tools

AI-assisted development

Vibe coding

Job description

Who are we?

Amar Bank is one of the most technologically advanced digital banks in Indonesia. Our leading digital lending product, Tunaiku has the distinction of being the first FinTech product in Indonesia. We are also the first digital bank on the cloud. As the first profitable digital bank, we managed to get listed on the Indonesian Stock Exchange.

How did we manage to do that?

We are changing people’s perception of a bank. We believe we are the innovators who combine customer focus principles with creating technology-based impact. We incorporate freedom and flexibility as part of our startup working culture DNA to encourage innovation in creating better financial solutions for the banking industry. We think of ourselves as, ‘A technology company with a banking license’. For this reason, we ‘Act like a FinTech, and think like a Bank.’

How did it all start?

Founded on March 15, 1991, in Surabaya as PT Anglomas International Bank (Amin Bank), the bank was acquired by Tolaram Group and transformed to PT Bank Amar Indonesia (Amar Bank) in 2014. It has then undergone a significant digital transformation to become one of the country's forerunning fintech institutions through its award-winning digital lending platform, Tunaiku.

Our philosophy, mission, and vision

Technology must impact lives, must improve lives. We exist to provide banking to those who ‘need’ and not only to those who ‘want’. Services when provided to those who need at the time of their need brings smiles. Our vision is to bring 200 million smiles.

More about the bank with startup culture environment

Consist of 1000+ people, you will meet people who love to grow, dream big, and actually have fun at the workplace! We provide a great working environment that pushes people to grow outside their comfort zone. People with high drive and ambition find us a very attractive place to work as their career growth matches their own drive and not any staid policies. Thus we hold the honor of being awarded “Best Place to Work in Indonesia”.Recently Amar Bank was awarded as Inspirational Brand from APEA (Asia Pacific Enterprise Awards) 2022. Of course, our innovation won't stop here. So if you would love to be a part of it, have a growth mindset, and are constantly hungry for challenges, we invite you to join us in our journey to ‘Impact Lives’.

Join us today and create #unlimitedinnovations!

About the Position:

As a part of the MSME team as a Business Analyst (Lead or Senior) will work closely with the top management team to identify, analyze, and solve complex business problems. The successful candidate will be responsible for leading and supporting strategic initiatives, identifying process improvements, and providing valuable insights to improve business performance

What Will You Do:

• Conduct business matching analysis to identify the alignment between user needs/problems and business solutions developed in collaboration with the Product team and other relevant functions.
• Conduct user research to identify insights, pain points, and relevant data points that support business benefits and decision-making.
• Translate research findings and user insights into clear business proposals, business requirements, and problem statements, and collaborate with the Product team throughout the solution-building process.
• Support KYC (Know Your Customer) and KYB (Know Your Business) validation analysis for new users/customers in accordance with applicable SOPs and technical guidelines (juknis).
• Develop data-driven recommendations to support business decisions and solution development.
• Support project/initiative documentation and communicate progress, findings, and key updates to relevant stakeholders.
• Provide support for project-related activities and other business administration needs as required.

What You Need To Have:

• Strong technical capabilities in data processing and analysis using SQL, Excel, and/or other analytical tools.
• Background or experience in business analysis, user research, data analysis, computer science, or a related field.
• Ability to understand user needs and translate them into clear business problems, requirements, and actionable insights.
• Strong communication and interpersonal skills, with the ability to collaborate effectively across functions, particularly with Product teams and other stakeholders.
• High level of initiative, curiosity, and willingness to explore and understand business and user problems.
• Strong discipline, ownership, and reliability in completing assigned tasks and delivering results.
• Willingness and ability to learn KYC (Know Your Customer) and KYB (Know Your Business) validation processes in accordance with applicable SOPs and technical guidelines.
• Experience or strong interest in using AI-assisted development and/or vibe coding approaches to build simple proof-of-concepts (PoCs) for validating business formulas, logic, or processes is highly preferred.

Bonus Points

• Familiarity with digital banking, fintech, or MSME lending environments.
• Familiarity with KYB (Know Your Business), business customer onboarding, or customer validation processes.
• Demonstrated experience in independently building digital tools, solutions, or capabilities to improve business processes.
• Experience conducting user research and translating user insights into business or product solutions.