Job Description

About Amartha

At Amartha, we empower micro-businesses across Indonesia, enabling growth and equal prosperity. We’ve supported over 2.7 million entrepreneurs—mostly women—by disbursing IDR 22.8 trillion in funding. As we step into 2025, Amartha is evolving into a technology-driven financial ecosystem, expanding our reach in lending, funding, and payments. Through innovation and digital solutions, we aim to enhance accessibility, streamline processes, and create a seamless user experience.

About the role

As a Business Growth Sr. Analyst, you’ll play a strategic role in identifying, analyzing, and unlocking new business opportunities for Amartha. This role focuses on combining macro-level data (like BPS statistics) with Amartha’s internal performance data to drive informed decisions for regional expansion, product optimization, and portfolio growth.

You’ll analyze demographic and economic indicators — such as population, poverty rate, and MSME distribution — to pinpoint high-potential regions and translate data insights into actionable business strategies. Collaborating with the Risk, Product, and Operations teams, you’ll ensure every growth recommendation is data-driven, practical, and impactful.

This position is perfect for someone with strong analytical thinking, curiosity about market dynamics, and a passion for using data to drive social and business growth.

• Conduct market and growth potential analysis using BPS data (demographics, regional economy, employment, MSMEs, poverty indicators, etc.)
• Identify high-potential regions (village, sub-district, district, regency) for business expansion & growth.
• Integrate BPS data with internal data (portfolio performance, repayment behavior, FO productivity, penetration rate).
• Perform market sizing and opportunity sizing for Grameen products.
• Provide data-driven insights and recommendations to support: new area expansion for growth, credit limit or cycle enhancement, and product optimization
• Develop analytical reports, dashboards, and business recommendation decks for management and business stakeholders.
• Collaborate closely with Risk, Product, and Operations teams to ensure insights are actionable.

Requirements

• Bachelor’s degree in Statistics, Economics, Mathematics, Engineering, Business/Data Analytics, or a related field.
• 3–5+ years of experience as a Business Analyst or Data Analyst; experience in microfinance or financial services is a strong plus.
• Strong SQL skills (complex queries, aggregations), advanced Excel / Google Sheets and BI & visualization tools (Superset, Google Looker Studio.).
• Proven experience in: Secondary data analysis (especially BPS or other public datasets) and market and growth analysis
• Strong understanding of BPS indicators, such as: Population and household statistics, poverty rate and PDRB (regional GDP), employment structure (agriculture, informal sector, MSMEs), and urban vs rural classification
• Ability to translate macro and regional data into practical business implications

At Amartha, we are dedicated to creating a workplace that celebrates diversity, ensures equity, and fosters inclusion. We believe that diverse perspectives—shaped by factors such as gender, age, race, ethnicity, education, culture, and life experiences—drive innovation and growth.

We actively welcome individuals from all backgrounds to join us in building an environment where everyone feels respected, valued, and empowered. Our commitment is to provide equal opportunities and foster a sense of belonging that enables our employees to thrive and make meaningful contributions.