Relationship Manager Digital Lending

6 months ago


Jakarta, Indonesia PT. Pegadaian Full time

As a state-owned enterprise, Pegadaian has a long history which began in the 18th century when Vereenigde Oost Indische Companies (VOC), established Bank Van Leening, a credit institution extending on pawning system. Then the Dutch government issued Staadsblad no 131 dated 12th March 1901 that principally govern that establishment of pawnshop was monopolized and only government runs such business. In accordance with this law, the first state pawn shop was established in Sukabumi (West Java) on 1st April 1901.Thus, each 1st April is the anniversary of Pegadaian.

Now, Pegadaian has transformed as a business entity which not only gives loans based on pawn but also other profitable business Until the end of 2020 there are more than 4000 Pegadaian branches spread across the Indonesian archipelago. The logo of Pegadaian the scales of justice. Pegadaian's motto is 'overcoming problems without problems'. Pegadaian have more than 1,6 Million customer and more than 14.000 employees. As a state-owned enterprise besides acting as business entity, Pegadaian also has an obligation to support government program in the effort to increase mid to low class society welfare through main activity of pawning credit distribution. This activities make Pegadaian a unique business entity. Conventional model of Pegadaian has operated since 1901. The first branch office in Sukabumi, west Java.

Since 2018 Pegadaian transformation into Digital Financial Company. The journey of Pegadaian's transformation, which is currently + 2 years old, is felt to have contributed a lot to Pegadaian, both in terms of business cooperation with fintech companies, changes in mindset, changes in working methods as well as improvements in organizational governance that are not only in accordance with applicable standards but also lead to in the creation of an agile organization.
Mencari Leads (calon nasabah) yang baik demi pemenuhan Target yang diterapkan management

Membantu calon nasabah dalam mengumpulkan dan melengkapi dokumen yang dibutuhkan untuk onboarding (Permohonan Pengajuan Kredit)

Melakukan initial due dilligent untuk memastikan nasabah yang akan di onboard masuk appetite calon nasabah digital sesuai RAC

Mengusulkan nasabah ke komite bersama dengan rekomendasi analis kredit

Menyiapkan Termsheet hingga akad nasabah

Memastikan pencairan kredit sudah sesuai dengan ketentuan yang berlaku

Melakukan monitoring atas pemberian kredit waktu ke waktu sesuai dengan ketentuan yang berlaku

Memastikan pembayaran nasabah dilakukan tepat waktu atau sesuai dengan jangka waktu pembayaran atas underlying yang dibiayai

Melakukan penagihan awal ke nasabah

Apabila terindikasi nasabah akan mengalami keterlambatan bukan atas kelalaian nasabah melainkan faktor eksternal dan terbukti validitasnya, maka akan dilakukan upaya restrukturisasi

Bersinergi dengan collection apabila mendapati nasabah kelolaan yang akan dilakukan upaya penyelesaian baik dengan collection, litigasi hingga write off
Pendidikan mínimal S1 dari semua jurusan

Usia maksimal 30 tahun

Pengalaman bekerja mínimal 4 (empat) tahun sebagai relationship manager di bidang digital lending

Memiliki skill komunikasi yang baik, agile dan berintegritas.

Memiliki kemampuan analisa perkreditan korporasi, analisa keuangan dan strategi pengembangan bisnis, eksekusi serta pengelolaan kredit korporasi

Diutamakan memiliki sertifikasi analis kredit dan manajemen risiko

**Disclaimer**:
Lowongan pekerjaan ini hanya diperuntukan bagi pelamar yang memenuhi kualifikasi sebagaimana dipersyaratkan, bagi pelamar yang tidak lulus kualifikasi maka tidak akan diproses lebih lanjut.
Pegadaian tidak memungut biaya untuk proses seleksi posisi ini.
Channel resmi Publikasi Iklan Pegadaian silakan dicek di

**Akun linkedin**: PT Pegadaian.



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