Legal Specialist

BYD; Subang; On-site; IDR 223,200,000 - 446,400,000; Full time

Job summary

BYD in West Java, Indonesia is seeking a Compliance and Legal Affairs professional with at least 2 years in auto finance compliance, AML, or legal matters. You will review contracts, manage asset recovery, and ensure adherence to OJK regulations.

The role requires fluency in Indonesian, strong English for AML rule reviews, and willingness to support audits and regulatory filings. Mandarin is a plus and OT is required at times.

Qualifications

• Bachelor's degree in Law, Finance, Risk Control, or Accounting preferred.
• Minimum 2 years of experience in Indonesian auto finance compliance, AML, or legal affairs.
• Fluent Indonesian reading/writing; good English for reviewing international AML rules.
• Familiar with Indonesian AML/CFT regulations, KYC practices, and sanctions screening processes.
• Willing to work overtime for regulatory inspections and case handling.
• Mandarin is a plus.

Responsibilities

• Review, revise, and assess risks for contracts and business documents to ensure compliance.
• Lead the disposal of overdue assets and manage the full legal lifecycle including litigation and debt recovery workflows.
• Apply knowledge of Indonesian finance, compliance, and OJK rules to identify risks and standardize processes.
• Handle daily disputes, provide legal opinions, risk warnings, and drive compliance improvements.
• Support AML systems, participate in audits, and assist in regulatory filings.

Skills

Compliance

AML

KYC

Regulatory

Education

Bachelor's degree in Law

Bachelor's degree in Finance

Tools

Excel

Policy documentation

MS Office

Job description

Job Responsibilities

• Review, revise, and assess risks for all company contracts, agreements, and business documents—covering car loan partnerships, channel distribution, and funding cooperation to ensure legal and compliant business operations.
• Lead the judicial disposal of overdue and non-performing assets. Manage the full legal lifecycle, including case filing, litigation, forced execution, asset disposal, and settlement/write-offs. Organize litigation ledgers to improve debt recovery efficiency.
• Leverage knowledge of Indonesian finance, collection, consumer protection, and OJK regulatory rules to identify compliance risks. Standardize front-end operations and post-loan collection processes to prevent regulatory penalties.
• Handle daily disputes, customer complaints, and special legal matters. Issue legal opinions, risk warnings, and rectification suggestions, and ensure the implementation of compliance improvements.
• Support the company's compliance and AML (Anti-Money Laundering) systems. Participate in internal audits, prepare materials for regulatory inspections, maintain legal archives, and update internal policies based on changes in local laws.

Requirements

• Bachelor's degree; majors in Law, Finance, Risk Control, or Accounting are preferred.
• Minimum 2 years of comprehensive experience in Indonesian auto finance or consumer finance regarding compliance, legal affairs, AML, or anti-fraud; familiarity with OJK mandatory requirements is essential.
• Fluent Indonesian reading and writing; capable of independently drafting compliance reports, legal documents, and regulatory filings. Good English skills for reviewing international AML rules are a plus.
• Professional Hard Skills:
• Familiar with Indonesian AML/CFT regulations, KYC practices, and sanctions screening processes.
• Knowledge of Indonesian credit compliance, collection regulations, and vehicle hypothecation laws.
• Ability to identify fraud and abnormal financial transactions through business data analysis.
• Proficient in Excel ledger management, policy documentation, and creating compliance checklists.
• Strong cross-functional coordination skills to align business, risk, finance, and post-loan departments on compliance requirements; capable of emergency response to sudden events.
• High sense of confidentiality and strong principles, never compromising compliance standards; willing to work overtime for regulatory inspections or case handling.
• Bonus: Indonesian AML certification, law firm experience, practical experience with OJK inspections, or a track record in handling car loan fraud cases.
• Language Required: Advanced English. Mandarin is a plus.

Recruitment Fraud Notice

PT BYD Auto Indonesia does not charge any fees at any stage of the recruitment process. This includes, but is not limited to, application fees, testing fees, interview fees, medical examination (MCU) fees, processing fees, travel expenses, or any other recruitment-related costs. Please remain vigilant against fraudulent recruitment activities carried out in the name of PT BYD Auto Indonesia. All official recruitment communications will only be conducted through our authorized corporate channels.