Senior Financing Manager

BYD Company Limited; Jakarta Pusat; On-site; IDR 700,000,000 - 1,150,000,000; Full time

Job summary

PT BYD Auto Indonesia is seeking a senior leader to drive strategic management across finance, risk, operations, and IT in the Indonesian automotive financing sector. The role requires extensive leadership experience, cross-functional oversight, and a strong track record with regulatory compliance.

You will coordinate with headquarters, manage distributor channels, and oversee risk controls while guiding the organization toward sustainable growth and profitability in Indonesia's evolving market.

Qualifications

• 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 in senior management; experience in Chinese-funded enterprises preferred.
• Fluent in Indonesian for business; basic Chinese to liaise with HQ; English is a plus.
• Familiar with Indonesian OJK financing lease regulatory rules, AML rules, vehicle disposal processes, and dealer channel models; proven system digitalization experience.
• Strong coordination to balance four segments: market expansion, operations, system construction, and risk controls.
• Excellent business negotiation, government/public relations, crisis management; able to liaise with regulators, lead channels, and funding partners.
• High professional ethics; maintain confidentiality of company assets and funds; avoid risk for scale.

Responsibilities

• Overall Business Strategy Management: develop medium-to-long-term strategy and annual targets for loan disbursement, revenue, and NPL control; oversee cash flow.
• Market Segment Management: lead product planning, dealer cooperation, and expansion for new cars, used car financing, and ride-hailing financing.
• End-to-End Operations Management: establish SOPs for application submission, approvals, disbursement, asset management, collections, and legal operations.
• IT & Digitalization Management: plan and implement core credit systems, risk decision systems, and data dashboards to reduce manual ledgers.
• Comprehensive Risk Management (Core): set risk thresholds, approve high-risk activities, ensure regulatory compliance and AML controls.
• Team & Comprehensive Management: build org structure across departments, manage performance, and oversee external relations.

Skills

Strategic planning

Leadership

Risk management

Regulatory knowledge

Stakeholder management

Financial acumen

Negotiation

Education

Bachelor's degree or above

Job description

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.

  2. 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.

  3. 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.

  4. 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.

  5. 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.

  6. 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.

  2. 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.

  3. 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.

  4. 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.

  5. Strong comprehensive coordination ability, capable of balancing development across four segments: market expansion, operational efficiency, system construction, and risk constraints.

  6. Excellent business negotiation, government-enterprise public relations, and crisis public relations abilities; capable of independently liaising with regulators, leading channels, and funding partners.

  7. 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.