Deposits & Funding Growth Specialist

Krom; Jakarta Pusat; On-site; IDR 120,000,000 - 240,000,000; Full time

Job summary

Krom in Jakarta is seeking an Account Officer (Funding) to acquire, develop and manage customer portfolios for 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 relationships with customers.

Role emphasizes proactive service, cross-selling funding products, and delivering excellent banking experiences.

Qualifications

• Bachelor’s degree in any major.
• Minimum 2 years of marketing experience in the banking industry.
• Knowledge of banking policies, procedures and funding products.
• Understands credit principles and risk assessment.
• Brings an established customer network (preferred).
• Excellent communication, negotiation and relationship management skills.
• Proactive, analytical and target-focused with strong business acumen.

Responsibilities

• 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.

Skills

Customer relationship management

Communication skills

Negotiation skills

Analytical thinking

Target-driven

Education

Bachelor’s degree (S1)

Job description

Krom in Jakarta is seeking an Account Officer (Funding) to acquire, develop and manage customer portfolios for 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 relationships with customers.

Role emphasizes proactive service, cross-selling funding products, and delivering excellent banking experiences.