Relationship Manager – Retail Funding

Bank Sentosa; Jakarta Pusat; On-site; IDR 180,000,000 - 240,000,000; Full time

Benefits offered by this job

Competitive base salary

NTB incentives

Rollover incentives

Health protection

BPJS Kesehatan enrollment

BPJS Ketenagakerjaan enrollment

Career growth

Job summary

Bank Sentosa in Jakarta is seeking a Relationship Manager to grow our retail deposit portfolio and serve as a dedicated partner for individuals, professionals, and local business owners.

You will listen to clients’ liquidity needs, explain deposit options clearly, and manage onboarding and rollover plans with a focus on trust and long-term relationships. Strong ethics and client-first service are essential.

Qualifications

• 2 to 4+ years of RM or related banking experience.
• Established community presence and network in retail or small business circles.
• Solid knowledge of retail funding, deposits, and rollover techniques.
• Empathetic listening and clear communication.

Responsibilities

• Cultivate Retail & Family Partnerships with depositors and local businesses.
• Expand Retail Deposit Portfolios through local outreach and referrals.
• Deliver clear, consultative advisory on deposit structures and terms.
• Safeguard long-term capital with onboarding, maturities, and rollover strategies.
• Uphold regulatory excellence with KYC and risk procedures.

Skills

Relationship building

Communication skills

Customer focus

Empathy

Networking

Job description

About Us: Dedicated to Relationships Since 1994

At Bank Sentosa (PT BPR Karya Prima Sentosa), we believe banking is ultimately about people, not just ledgers. Licensed and supervised by the OJK and guaranteed by the LPS, we have spent more than 30 years building enduring partnerships across our communities. Our success has always been driven by human judgment, empathy, and mutual respect rather than automated formulas. We cultivate an environment where individual expertise is recognized, personal well-being is safeguarded, and every team member is treated with genuine professional dignity.

The Opportunity: Purpose-Driven Retail Advisory

We are looking for an experienced Relationship Manager who measures success through enduring partnerships rather than quick transactional volume. In this pivotal role, you will take ownership of expanding our retail deposit portfolio—serving as a dedicated financial partner to everyday individuals, households, professionals, and local business founders.

Instead of distributing rigid, one-size-fits-all products, you will listen attentively to each client’s plans, understand their liquidity requirements, and provide secure, transparent savings and deposit structures that safeguard their financial well-being.

How You Will Drive Growth & Connection:

• Cultivate Retail & Family Partnerships: Build and nurture enduring, trust-based relationships with individual depositors, independent professionals, and local business owners to help them optimize personal cash reserves.
• Expand Retail Deposit Portfolios: Proactively grow our Third-Party Funds (DPK) base through disciplined local outreach, active community presence, and authentic word-of-mouth client referrals.
• Deliver Clear, Consultative Advisory: Act as an accessible, dependable guide—explaining deposit structures, yields, and terms straightforwardly without banking jargon.
• Safeguard Long-Term Capital: Manage the complete client relationship with genuine care—ensuring a smooth onboarding journey, tracking deposit maturity schedules, and executing proactive rollover strategies anchored in trust.
• Uphold Regulatory Excellence: Ensure rigorous compliance with KYC standards, banking regulations, and internal risk procedures, treating every client’s hard-earned capital with utmost accountability.

Who You Are (Beyond the CV):

We value character, emotional intelligence, and genuine relationship-building just as much as past metrics. You will thrive in this role if you bring:

• Demonstrated Experience: 2 to 4+ years of dedicated experience as a Relationship Manager (RM), Funding Officer, or Deposit Sales Specialist within Banking (Conventional, Sharia, Digital, or BPR/BPRS) or retail financial services.
• Established Community Presence: An active, dependable network across retail, mass-affluent, or small business circles, coupled with the warmth needed to turn initial conversations into lifelong client relationships.
• Solid Command of Retail Funding: Strong grasp of retail deposit mechanics, interest rate environments, savings options, and structured rollover techniques.
• Empathetic Listening: A natural capacity to understand client goals patiently, address concerns candidly, and communicate with clarity and respect.
• Professional Character: Uncompromising integrity, accountability, and a personal commitment to ethical, people-first banking standards.

What We Offer: Investing in You

We ensure that dedicated professionals receive genuine care, competitive recognition, and the room to excel:

• Competitive Base Compensation: A competitive monthly base nett salary tailored to your track record and market portfolio strength.
• Dual Performance Rewards: Uncapped, lucrative performance incentives—including dedicated New-To-Bank (NTB) Incentives AND Rollover Incentives—alongside transparent commission structures and performance bonuses.
• Comprehensive Health Protection: Premium private healthcare plans encompassing your immediate family (spouse and dependents), alongside full BPJS Kesehatan and BPJS Ketenagakerjaan enrollment.
• People-Centered Workplace: A supportive, family-oriented culture that actively honors work-life balance, health, and personal growth.
• Professional Agency & Mentorship: Access to senior executive coaching, structured career pathways, and the operational autonomy to build your client portfolio your way.