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 2026, 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 the Lead of Governance and Business, you will focus on building strong operational standards that support an efficient and well-controlled lending business. This role is responsible for creating clear processes, maintaining execution quality, and ensuring daily operations are carried out consistently across all areas.

You will lead initiatives related to process governance, compliance monitoring, issue resolution, and continuous improvement throughout the lending flow. The role also requires close collaboration with multiple internal teams to align business needs, improve operational performance, and strengthen data accuracy for better decision-making.

About the Team

The Lead of Governance & Business will ensuring that all lending operations are executed consistently, efficiently, and in alignment with company strategy. This role bridges Risk, Product, Operations, and Network (field teams) by translating high-level policies into clear, actionable SOPs and business rules, while ensuring strong execution discipline across all regions.

1. Governance & SOP Ownership

• Define, develop, and continuously improve Business Rules and Standard Operating Procedures (SOPs) across the lending lifecycle (onboarding → disbursement → collection)
• Ensure SOPs are practical, scalable, and aligned with risk guardrails
• Act as the single owner of business process standardization across regions

2. Execution Control & Operational Discipline

• Ensure consistent execution of lending processes across branch/field teams
• Monitor adherence to SOPs, identify gaps, and drive corrective actions
• Establish controls for ticket response SLA, incident handling, and process compliance

3. Incident & Issue Management

• Oversee end-to-end incident management framework (tracking, root cause, resolution)
• Ensure timely resolution of lending-related issues (target: <1 day resolution)
• Build and maintain real-time monitoring tools / dashboards for operational visibility

4. Data Quality & Business Integrity

• Define and enforce data quality standards (e.g., onboarding data accuracy >95%)
• Collaborate with Product and Tech to improve data validation and system controls
• Ensure data integrity to support risk, compliance, and decision-making

5. Stakeholder Management & Alignment

• Partner closely with Risk, Product, Operations, and Network Excellence teams
• Translate risk policies into executable business processes
• Act as a key escalation point for field teams and ensure resolution with internal teams

6. Process Improvement & Transformation

• Identify opportunities to streamline operations, reduce inefficiencies, and scale processes
• Drive automation initiatives and adoption of tools to improve performance
• Lead continuous improvement programs across lending operations

Requirements

• Bachelor’s degree in Business, Finance, Engineering, or related field
• 6+ years of experience in lending, operations, governance, or risk (fintech/banking preferred)
• Proven experience in SOP development, process governance, or operational control
• Strong analytical capability (Excel, SQL is a plus)
• Experience with dashboard/reporting tools (Tableau, Looker, etc.)
• Familiarity with incident tracking / workflow tools
• Strong governance & control mindset
• Ability to translate strategy → execution (policy → SOP → field)
• Excellent problem-solving and root cause analysis
• Strong understanding of lending lifecycle and risk processes

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.