Senior Financing Manager

BYD Indonesia; Indonesia; On-site; IDR 900,000,000 - 1,500,000,000; Full time

Job summary

PT BYD Auto Indonesia mencari pemimpin berpengalaman untuk mengarahkan strategi bisnis jangka menengah-panjang dan target keuangan. Posisi ini memerlukan koordinasi lintas fungsi dengan kantor pusat, regulator, lembaga keuangan, dan mitra dealer untuk menjaga arus kas, risiko, dan kepatuhan.

Anda akan memimpin perencanaan produk pembiayaan, ekspansi saluran, serta integrasi sistem TI untuk analitik, pemantauan risiko, dan kepatuhan data.

Qualifications

• Gelar sarjana di bidang terkait, diutamakan keuangan/otomotif.
• Pengalaman 5+ tahun manajemen di pembiayaan otomotif/financing lease.
• Kemampuan berbahasa Indonesia lancar; bahasa Cina dasar; bahasa Inggris diutamakan.

Responsibilities

• Kembangkan strategi bisnis jangka menengah-panjang dan target operasional tahunan, inklusif disbursment pinjaman, pendapatan, laba, NPL.
• Liaise dengan kantor pusat grup, sampaikan laporan operasional, risiko, serta kemajuan implementasi strategi.

Skills

Bahasa Indonesia lancar

Bahasa Cina dasar

Bahasa Inggris (nilai tambah)

Education

Gelar Sarjana di bidang terkait

Job description

• Develop the company's medium-to-long-term development strategy and annual operating targets (loan disbursement scale, revenue, profit targets, NPL control targets) based on the Indonesian automotive market, OJK financial regulatory policies, and competitive landscape; take overall responsibility for the company's operating performance.
• Liaise with the domestic group headquarters, regularly submit operating reports, risk reports, and strategy implementation progress; execute headquarters' strategic deployment and synchronize localized operating adjustment plans.
• Oversee budget control, cost management, and fund coordination; coordinate financing and finance teams to ensure stable business operating cash flow.
• Market Segment Management
• Lead automotive financial product planning, channel investment promotion, and dealer cooperation system establishment; oversee business expansion for new cars, used car financing, and ride-hailing vehicle financing.
• Approve channel policies, interest subsidy marketing campaigns, and business cooperation proposals; maintain core partnerships with OEMs, large car dealerships, and automotive groups.
• Analyze market pricing and competitor product strategies, dynamically adjust business pricing and market approaches, balancing business growth with channel fraud risk.
• End-to-End Operations Management
• Establish and optimize business full-chain operation SOPs: front-end channel application submission, mid-platform approval and disbursement, post-loan asset management, overdue collection, repossessed vehicle disposal, document and certificate management, and administrative comprehensive operations.
• Reduce operational losses, labor costs, and asset disposal costs; improve overall turnover efficiency; coordinate offline field operations, warehousing, and legal litigation operational resource allocation.
• Handle major customer complaints, channel disputes, and business emergencies to ensure smooth business operations.
• IT & Digitalization Management
• Oversee planning, iteration, and implementation of core credit systems, risk decision systems, auto-deduction repayment systems, and business management platforms.
• Plan digitalization roadmap, promote business online processing, automated approval, and data dashboard visualization to reduce manual ledgers.
• Manage IT vendors and internal technical teams; ensure stable system operation, business data security, and compliant customer information storage, meeting Indonesian data compliance regulations.
• Comprehensive Risk Management (Core)
• Lead the establishment of a full-chain risk control system: channel admission risk control, customer anti-fraud, credit approval, mid-loan monitoring, overdue asset management, compliance risk control, and AML anti-money laundering management.
• Set company risk red lines (overdue rate, bad debt rate, fraud rate thresholds); approve major high-risk businesses and bulk disposal plans for non-performing assets.
• Liaise with Indonesian OJK regulators, tax authorities, and legal audits; implement financial compliance, collection compliance, and accounting compliance requirements to avoid regulatory penalties and major operational risks.
• Coordinate major risk incident handling: gang fraud loans, channel defaults, concentrated overdue, regulatory inspections, and other emergency response work.
• Team & Comprehensive Management
• Establish organizational structure for marketing, operations, risk control, IT, and functional departments; core staff appointment/dismissal, performance appraisal, and team culture building.
• Oversee external public relations: regulatory agencies, law firms, investors, service providers, and industry network maintenance.
  

Job Responsibilities

• 1. Overall Business Strategy Management
• Develop the company's medium-to-long-term development strategy and annual operating targets (loan disbursement scale, revenue, profit targets, NPL control targets) based on the Indonesian automotive market, OJK financial regulatory policies, and competitive landscape; take overall responsibility for the company's operating performance.
• Liaise with the domestic group headquarters, regularly submit operating reports, risk reports, and strategy implementation progress; execute headquarters' strategic deployment and synchronize localized operating adjustment plans.
• Oversee budget control, cost management, and fund coordination; coordinate financing and finance teams to ensure stable business operating cash flow.
• Market Segment Management
• Lead automotive financial product planning, channel investment promotion, and dealer cooperation system establishment; oversee business expansion for new cars, used car financing, and ride-hailing vehicle financing.
• Approve channel policies, interest subsidy marketing campaigns, and business cooperation proposals; maintain core partnerships with OEMs, large car dealerships, and automotive groups.
• Analyze market pricing and competitor product strategies, dynamically adjust business pricing and market approaches, balancing business growth with channel fraud risk.
• End-to-End Operations Management
• Establish and optimize business full-chain operation SOPs: front-end channel application submission, mid-platform approval and disbursement, post-loan asset management, overdue collection, repossessed vehicle disposal, document and certificate management, and administrative comprehensive operations.
• Reduce operational losses, labor costs, and asset disposal costs; improve overall turnover efficiency; coordinate offline field operations, warehousing, and legal litigation operational resource allocation.
• Handle major customer complaints, channel disputes, and business emergencies to ensure smooth business operations.
• IT & Digitalization Management
• Oversee planning, iteration, and implementation of core credit systems, risk decision systems, auto-deduction repayment systems, and business management platforms.
• Plan digitalization roadmap, promote business online processing, automated approval, and data dashboard visualization to reduce manual ledgers.
• Manage IT vendors and internal technical teams; ensure stable system operation, business data security, and compliant customer information storage, meeting Indonesian data compliance regulations.
• Comprehensive Risk Management (Core)
• Lead the establishment of a full-chain risk control system: channel admission risk control, customer anti-fraud, credit approval, mid-loan monitoring, overdue asset management, compliance risk control, and AML anti-money laundering management.
• Set company risk red lines (overdue rate, bad debt rate, fraud rate thresholds); approve major high-risk businesses and bulk disposal plans for non-performing assets.
• Liaise with Indonesian OJK regulators, tax authorities, and legal audits; implement financial compliance, collection compliance, and accounting compliance requirements to avoid regulatory penalties and major operational risks.
• Coordinate major risk incident handling: gang fraud loans, channel defaults, concentrated overdue, regulatory inspections, and other emergency response work.
• Team & Comprehensive Management
• Establish organizational structure for marketing, operations, risk control, IT, and functional departments; core staff appointment/dismissal, performance appraisal, and team culture building.
• Oversee external public relations: regulatory agencies, law firms, investors, service providers, and industry network maintenance.
  

Requirements

• 1. Bachelor's degree or above; finance, automotive, business administration, or risk control related majors preferred.
• 5+ years of overall management experience in Indonesian local automotive financing / financing lease; at least 3+ years of senior management experience, with full experience in marketing, operations, and risk control segments; experience in Chinese-funded enterprises operating in Indonesia's financial sector preferred.
• Fluent in Indonesian for business (negotiation, official documents, regulatory communication without barriers); basic Chinese communication ability to liaise with domestic headquarters; English is a plus.
• Familiar with Indonesian OJK financing lease regulatory rules, AML anti-money laundering regulations, vehicle disposal processes, and dealer channel business models; proven track record in system digitalization upgrade, non-performing asset reduction, and large-scale channel expansion.
• Strong comprehensive coordination ability, capable of balancing development across four segments: market expansion, operational efficiency, system construction, and risk constraints.
• Excellent business negotiation, government-enterprise public relations, and crisis public relations abilities; capable of independently liaising with regulators, leading channels, and funding partners.
• High professional ethics, strictly maintain company operation, asset, and fund confidentiality; clear bottom line, do not pursue scale at the expense of risk.
  

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.

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