Digital Banking Operation Officer

Amar Bank; Daerah Khusus Ibukota Jakarta; On-site; IDR 200.000.000 - 300.000.000; Full time

Job summary

A leading digital bank in Indonesia is looking for a candidate to handle financial transaction reconciliation and support audits and compliance. The ideal applicant will have at least 2 years' experience in data processing within a digital bank or fintech, possess strong analytical skills, and be fluent in English. Join a dynamic team that fosters a startup culture and encourages innovation in fintech solutions. Expect to work in a friendly atmosphere that values growth and impact.

Benefits

Great working environment

Career growth opportunities

Recognized as Best Place to Work in Indonesia

Qualifications

• Minimum 2 years of experience in high volume data processing.
• Understanding of digital transaction flows and payments.
• Strong proficiency using SQL and Excel for data analysis.

Responsibilities

• Conduct reconciliation of financial transactions across systems.
• Investigate and resolve discrepancies in transactions.
• Collaborate with internal teams to support process improvements.

Skills

Analytical skills

Attention to detail

SQL queries

Excel (Macro VBA, Pivot Tables)

Fluency in English

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!

Responsibilities

• Conduct daily, periodic, and ad-hoc reconciliation of financial transactions across internal systems and external partners (e.g., payment gateways, e-wallets, core banking platforms)
• Identify, investigate, and resolve transactional discrepancies in a timely and accurate manner.
• Collaborate with internal stakeholders including Finance, Technology, Operations, and Product teams to support process improvements and automation initiatives
• Support audits, compliance reviews, and internal reporting by maintaining accurate documentation, standard operating procedures, and controls related to transaction in accordance with internal policies and regulatory requirements
• Liase with third‑party partners to ensure resolution of mismatched transactions and settlement related issues
• Drive enhancements to internal workflows by proactively identifying inefficiencies and collaborating with the team to implement solutions
• Perform ad‑hoc task or special assignments as required

Requirements

• Minimum 2 years of work experiences, especially in high volume data processing, settlements or payment operations within digital banking, fintech, or financial services
• Understanding of digital transaction flows (e.g API‑based payments, QRIS, e‑money, VA, top‑ups, refunds)
• Strong analytical skills and attention to detail with experience using SQL queries, Excel (Macro VBA, Pivot Tables) and Google Sheets (Apps Script)
• Fluent in English language (oral and written)

This role will be directly reported to Transaction and General Affair Circle Lead and will be act to review the services to customer, Digital Banking Customer Service’s performance and activity in accordance with company regulations. Our keen eye for finance won’t go unnoticed at Amar Bank. We do budgeting, investor relations‑managing, and assisting executives in making decisions that affect the organization. It’s our job to take responsibility for the financial health of the organization. We act as the floodgates when money comes in and goes out. We also collaborate closely with top executives and departments to innovate an idea‑friendly organizational financial culture.

We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.