Senior Account Officer
Infinid Indonesia
- Contract
- On-site • Jakarta Selatan
- Rp10.000.000 – 13.000.000
No Sign Up Required!
Job Description
Sales & Customer Management
- Proactively acquire customers looking for Loan Against Property financing – you will need to build your own pipeline.
- Achieve a monthly loan disbursement target of IDR 1.5 billion.
- Guide customers through the loan application process, ensuring all required documents are submitted correctly.
- Work closely with customers to prepare and compile the required documents for loan submission.
- Draft the initial credit memo for submission to the Credit Risk team, who will review and analyze the loan application.
- Maintain strong customer engagement, from initial contact through loan approval and beyond.
2. Loan Processing & Internal Coordination
- Coordinate with internal teams (Credit Risk, Operations, and Funding) to ensure smooth loan processing.
- Work with cross-functional teams to improve processes and customer experience.
3. Product Information: Loan Against Property
- Loan Amount: IDR 800 million – 1.5 billion per transaction.
- Tenure: 3-5 years
- interest rate: 18 - 24% p.a.
- Collateral: Residential houses or shop-houses (Ruko), with SHM or SHGB certificates.
- Ownership Criteria:
- The property must be in the name of the borrower or their spouse.
- If the certificate is not in their name (parents / siblings), the borrower must live in the property.
- Property Value Requirement: Must be at least 2x the loan amount. (LTV < 50%)
- Borrower Profile:
- Must demonstrate repayment capacity and credit history.
- We offer more flexibility than large banks in assessing creditworthiness.
4. Compensation & Incentives
- Employment-type: Full-time role with performance-based individual contractor agreement
- Base Salary: IDR 10 – 13 million per month
- Additional benefits: Health insurance
- High Incentives:
- Achieve 100% of target → Could earn total monthly comp around 2x base salary
- Overachievement → Even higher earning potential
Requirements
- Minimum 5 years of experience in selling secured loan products, such as:
- Loan Against Property (Pinjaman Jaminan Properti)
- Multipurpose Loans (Multiguna) with house as collateral
- Micro & SME Secured Loans (using house as collateral)
- Proven track record of meeting or exceeding sales targets in banks or multi-finance institutions.
- Strong ability to generate leads independently and build a customer pipeline.
- Familiarity with loan origination, credit risk assessment, and customer documentation requirements.
- Experience in preparing loan documents and drafting credit memos is a strong advantage.
- Excellent negotiation and communication skills.
- This is an excellent opportunity for a high-performing sales professional to maximize earnings and advance in the secured lending industry.
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infinID is a fintech company, building secured lending platform, specialized in loan against property. We help the underserved middle-class homeowners in Indonesia to access low-interest rate loans based on their property value for both productive and consumptive uses. We work with selected banks to disburse the loans to the borrowers, while Infinid manages the end-to-end credit process, including origination & servicing.
