Business Development Associate - Collateral Loan

Cermati.com; Daerah Khusus Ibukota Jakarta; On-site; IDR 167,400,000 - 279,000,000; Full time

Job summary

A financial services company in Jakarta is seeking an experienced professional to handle partner recruitment and manage collateral loan processes. This role involves identifying third-party agents, conducting market surveys, and converting leads into loan applications. The ideal candidate has at least 3 years of relevant experience in car and motorcycle leasing, strong financial literacy, and proficiency in Microsoft Office. Familiarity with regulations and basic credit analysis is essential. Excellent communication skills and the ability to build relationships are key to success in this role.

Qualifications

• Minimum 3 years in a similar position.
• Experience in car & motorcycle leasing companies.
• TOEFL score of at least 500.

Responsibilities

• Identify and onboard third-party agents.
• Conduct market surveys for potential SME clusters.
• Convert leads into qualified loan applications.
• Perform preliminary checks on collateral and creditworthiness.
• Coordinate loan disbursement processes.
• Monitor competitor interest rates and LTV ratios.
• Organize grassroots promotional events.
• Maintain ongoing borrower relationships.

Skills

Financial literacy

Basic credit analysis

Microsoft Office proficiency

Collateral appraisal skills

Education

Bachelor’s Degree (S1)

Job description

• Partner Recruitment: Identify and onboard third-party agents, such as used car dealers and collateral loan agencies, to act as consistent referral channels.
• Territory Mapping: Conduct physical and digital market surveys to identify high-potential SME clusters and residential areas for collateralized lending.
• Lead Management: Convert incoming inquiries and cold leads into qualified loan applications through proactive follow-ups and CRM tracking.
• Initial Pre-Screening: Perform preliminary checks on collateral quality and applicant creditworthiness to ensure high approval rates from the credit team.
• Pipeline Coordination: Act as the primary liaison between the client and internal departments to ensure rapid loan disbursement within agreed service levels.
• Competitor Analysis: Monitor the interest rates and Loan-to-Value (LTV) ratios of rival multifinance firms to maintain a competitive product edge.
• Micro-Marketing Activation: Organize and execute grassroots promotional events, such as booth setups in traditional markets or community hubs, to capture direct leads.
• Account Retention: Maintain ongoing relationships with existing borrowers to facilitate loan top-ups and renewals once they reach eligible payment milestones.
  
  

Company Description

Job Description

• Partner Recruitment: Identify and onboard third-party agents, such as used car dealers and collateral loan agencies, to act as consistent referral channels.
• Territory Mapping: Conduct physical and digital market surveys to identify high-potential SME clusters and residential areas for collateralized lending.
• Lead Management: Convert incoming inquiries and cold leads into qualified loan applications through proactive follow-ups and CRM tracking.
• Initial Pre-Screening: Perform preliminary checks on collateral quality and applicant creditworthiness to ensure high approval rates from the credit team.
• Pipeline Coordination: Act as the primary liaison between the client and internal departments to ensure rapid loan disbursement within agreed service levels.
• Competitor Analysis: Monitor the interest rates and Loan-to-Value (LTV) ratios of rival multifinance firms to maintain a competitive product edge.
• Micro-Marketing Activation: Organize and execute grassroots promotional events, such as booth setups in traditional markets or community hubs, to capture direct leads.
• Account Retention: Maintain ongoing relationships with existing borrowers to facilitate loan top-ups and renewals once they reach eligible payment milestones.
  
  

Qualifications

• Bachelor’s Degree (S1)
• Worked in car & motorcycle leasing companies with similar collateral loan product
• Have worked in similar position at least 3 years
• Proficient with Microsoft office
• Have financial literacy & basic credit analysis for collateral loan
• Understand regulatory & compliance for multifinance
• Basic collateral appraisal skills
  
  

Additional Information

• Min TOEFL 500
• SPPI & APPI certification is a plus
• Have SIM A or SIM C