Credit Analyst Team Lead

Website Amar Bank


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!

About the position:

Responsible for assessing and recommending the creditworthiness of potential clients, and conducting a comprehensive analysis of financial and business conditions, including analysis of ratios and trends, analysis of cash flow, business capacity, and collateral


  • Evaluate the creditworthiness of potential clients based on their financial condition, credit history, business condition, capacity, and other relevant parameters
  • Prepare reports showing an analysis of the risks in granting credit, including credit information, business analysis, and credit decisions or recommendations
  • Monitor the asset quality of the company’s portfolio continuously by tracking and analyzing credit performance and trends
  • Assist in formulating credit policies and procedures to optimize business profitability while maintaining credit risk within acceptable parameters
  • Stay abreast of industry trends, market conditions, and regulatory changes that may affect a potential client’s creditworthiness
  • Assist in negotiating credit terms and conditions with new and existing clients
  • Maintain accurate and current credit files and documentation


  • Bachelor’s degree Minimum of 3 years of experience in a credit analyst or related role
  • Strong analytical skills with experience analyzing complex problems
  • Excellent problem-solving and critical-thinking skills
  • Strong communication and presentation skills, with the ability to effectively communicate with senior leadership and stakeholders

Bonus Point If

  • Have experience in Banking
  • MBA Graduated

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