Account Officer

1 week ago

Bandung, West Java, Indonesia Krom Full time

About the Role:

As an
Account Officer (Funding)
, you will be responsible for acquiring, developing, and managing customer portfolios to drive sustainable growth of third-party funds (DPK). You will be the Bank's frontline in understanding customer needs, offering tailored deposit products, and building long-term, mutually beneficial relationships with customers.

Your role also plays a critical part in strengthening customer loyalty through proactive service, cross-selling funding products, and ensuring excellent banking experiences. The performance of an Account Officer will directly impact the branch's and the Bank's overall funding growth.

Key Responsibilities include:

  • Acquire new customers across individual, business, community, institutional, and high-potential segments to grow the branch's DPK portfolio.
  • Manage and deepen relationships with existing customers to increase loyalty, deposits, and usage of other funding products.
  • Proactively identify customer needs and offer suitable solutions (savings, current accounts, deposits, or loans—both conventional and digital).
  • Conduct regular visits, product presentations, interest rate negotiations, and trust-building activities with potential customers.
  • Monitor and analyze funding portfolio performance, anticipating potential balance declines or fund shifts.
  • Coordinate with product, operations, and customer service teams to ensure smooth account opening, fund placements, and premium services.
  • Prepare and deliver daily/weekly reports on funding activities, pipeline development, portfolio updates, and customer visits to the Branch Manager.
  • Handle customer complaints and escalations promptly while ensuring service standards.
  • Ensure compliance with internal policies and external regulations (KYC, AML, prudential banking principles).
  • Collaborate with Lending Account Officers to cross-refer customer needs for loan products.

About You:

We are seeking a results-oriented and customer-driven professional who:

  • Holds a
    Bachelor's degree (S1)
    in any major.
  • Has at least
    2 years of marketing experience
    in the banking industry.
  • Possesses strong knowledge of banking policies, procedures, and funding products.
  • Understands credit principles and risk assessment.
  • Brings an established customer network (preferred).
  • Demonstrates excellent communication, negotiation, and relationship management skills.
  • Is proactive, analytical, and target-focused with strong business acumen.

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