Senior Relationship Manager – SME Lending (P2P)

Nikel; Jakarta Pusat; On-site; IDR 216,000,000 - 324,000,000; Full time

Job summary

Nikel is seeking a Relationship Manager/Loan Officer in Jakarta to identify high-potential SME borrowers and perform due diligence, site visits, and financial document collection. You will prepare credit proposals with the risk team and manage borrower relationships to maintain healthy credit quality.

Responsibilities include restructuring or initiating billing when payments are constrained, leveraging a network of SME borrowers across sectors and applying strong underwriting practices.

Qualifications

• Bachelor's degree (S1) in Economics, Management, Finance, or Accounting.
• 2–4 years as RM/Loan Officer in SME Banking or LKNB sectors.
• Proven SME disbursement track record and healthy loan portfolios.
• Has a database/pipeline of active SME borrowers across sectors.
• Strong credit risk assessment, financial statement and cash flow analysis skills.

Responsibilities

• Identify high-potential SME borrowers needing funding.
• Conduct due diligence, site visits, and collect financial documents.
• Prepare credit proposals with risk/underwriting team.
• Manage borrower relationships and maintain credit quality (NPLs).
• Oversee restructuring or initial billing when payments are constrained.

Skills

Relationship Mgmt

Credit Analysis

Financial Analysis

Underwriting

Portfolio Mgmt

Networking

Education

S1 degree

Job description

Nikel is seeking a Relationship Manager/Loan Officer in Jakarta to identify high-potential SME borrowers and perform due diligence, site visits, and financial document collection. You will prepare credit proposals with the risk team and manage borrower relationships to maintain healthy credit quality.

Responsibilities include restructuring or initiating billing when payments are constrained, leveraging a network of SME borrowers across sectors and applying strong underwriting practices.