**Who are we?**
Amar Bank is one of the most technologically advanced digital banks in Indonesia. Our leading digital lending product, Tunaiku has the distinction of being the first FinTech product in Indonesia. We are also the first digital bank on the cloud. As the first profitable digital bank, we managed to get listed on the Indonesian Stock Exchange.
**How did we manage to do that?**
We are changing people's perception of a bank. We believe we are the innovators who combine customer focus principles with creating technology-based impact. We incorporate freedom and flexibility as part of our startup working culture DNA to encourage innovation in creating better financial solutions for the banking industry. We think of ourselves as, 'A technology company with a banking license'. For this reason, we 'Act like a FinTech, and think like a Bank.'
**How did it all start?**
Founded on March 15, 1991, in Surabaya as PT Anglomas International Bank (Amin Bank), the bank was acquired by Tolaram Group and transformed to PT Bank Amar Indonesia (Amar Bank) in 2014. It has then undergone a significant digital transformation to become one of the country's forerunning fintech institutions through its award-winning digital lending platform, Tunaiku.
**Our philosophy, mission, and vision**
Technology must impact lives, must improve lives. We exist to provide banking to those who 'need' and not only to those who 'want'. Services when provided to those who need at the time of their need brings smiles. Our vision is to bring 200 million smiles.
**More about the bank with startup culture environment**
Consist of 1000+ people, you will meet people who love to grow, dream big, and actually have fun at the workplace! We provide a great working environment that pushes people to grow outside their comfort zone. People with high drive and ambition find us a very attractive place to work as their career growth matches their own drive and not any staid policies. Thus we hold the honor of being awarded "Best Place to Work in Indonesia".Recently Amar Bank was awarded as Inspirational Brand from APEA (Asia Pacific Enterprise Awards) 2022. Of course, our innovation won't stop here. So if you would love to be a part of it, have a growth mindset, and are constantly hungry for challenges, we invite you to join us in our journey to 'Impact Lives'.
**Join us today and create #unlimitedinnovations!**
**- ** Business Operation Governance**:
- Ensure the existence of business processes (SOP) for crucial business processes and credit policies.
- Conduct Quality Assurance by ensuring operations comply with SOP and work guidelines.
- Ensure operational compliance with banking regulations and address regulator audit findings.
- ** Anti-Fraud**:
- Identify, investigate, and document fraud incidents.
- Provide mitigation recommendations for identified fraud patterns.
- ** Credit Analyst**:
- Conduct critical data checks such as personal information and manage crucial data changes in the loan management system.
- ** Risk Assessment and Mitigation**:
- Periodically evaluate risks associated with business processes and credit policies.
- Identify and design operational risk mitigation strategies.
- ** Key Performance Indicators (KPls) and Objectives Key Result (OKR) Monitoring**:
- Set and monitor relevant operational KPls and OKRs.
- Develop improvement measures based on KPI and OKR monitoring.
- ** Stakeholder Communication**:
- Communicate with internal teams, regulators, and relevant parties to ensure a clear understanding of risk operational policies and procedures.
- ** Training and Development**:
- Design and implement training programs to enhance the team's understanding of operational risk and compliance.
- ** Technology and Innovation Integration**:
- Ensure the use of cutting-edge technology to support operations and risk mitigation.
- Oversee the implementation of innovations in risk management.
- ** Continuous Improvement**:
- Promote a culture of continuous improvement by identifying and implementing process improvement actions.
**Requirements**:
- ** Education and Experience**:
- Bachelor's degree in Business Administration, Finance, Risk Management, or a related field. Advanced degree or professional certification is a plus.
- Minimum of 5 years of experience in risk operations, retail banking, or a related field.
- Demonstrated experience in business process governance, quality assurance, anti-fraud initiatives, credit analysis, risk assessment, and mitigation.
- ** Skills and Competencies**:
- Strong understanding of retail banking operations, business processes, and credit policies.
- In-depth knowledge of regulatory requirements in the banking industry, with a proven ability to address audit findings and ensure operational compliance.
- Proficiency in fraud detection, investigation, and documentation.
- Analytical skills to conduct critical data checks and evaluate risks associated with