Legal Specialist

BYD Indonesia; Subang; On-site; IDR 167,400,000 - 312,480,000; Full time

Job summary

BYD Indonesia seeks an experienced Compliance and Legal affairs professional to manage risk assessment for contracts, oversee asset recovery processes, and ensure adherence to Indonesian finance regulations. The role requires drafting compliance documents, coordinating cross-functionally, and supporting AML initiatives to mitigate regulatory penalties.

The position emphasizes working with finance, risk, and post-loan units to maintain strict compliance, with flexibility for overtime during

Qualifications

• Bachelor's degree in Law, Finance, Risk Control, or Accounting is preferred.
• Minimum 2 years of experience in Indonesian auto finance or consumer finance focusing on compliance, AML, or anti-fraud.
• Fluent Indonesian reading and writing; capable of drafting compliance reports and regulatory filings; English skills are a plus.
• Familiar with Indonesian AML/CFT regulations, KYC, and sanctions screening.
• Ability to identify fraud and abnormal financial transactions via data analysis; maintain confidentiality and work overtime if needed.

Responsibilities

• Review, revise, and assess risks for all contracts, agreements, and business documents to ensure legal and compliant operations.
• Lead the disposal of overdue and non-performing assets; manage litigation lifecycle and asset disposal.
• Apply knowledge of Indonesian finance, collection, consumer protection, and OJK rules to identify compliance risks and standardize processes.
• Handle disputes, customer complaints, and regulatory matters; issue opinions and implement compliance improvements.
• Support compliance and AML systems; participate in internal audits and regulatory inspections; update policies per local laws.

Skills

Legal risk

Compliance

AML awareness

Data analysis

Coordination

Education

Law degree

Tools

Regulatory databases

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.