--- title: 'Credit Legal at Amar Bank' canonical: 'https://feeny.ai/job/credit-legal-amar-bank-jakarta-88621wy731kd' type: 'job' last_seen: '2026-10-21' --- # Credit Legal at Amar Bank - **Company:** Amar Bank - **Location:** Jakarta, Indonesia - **Employment:** contract - **Work type:** onsite - **Posted:** 2026-10-13 - **Last confirmed live:** 2026-10-21 - **Apply:** https://jobs.lever.co/amarbank/f3fe3dca-daa4-42b5-93b0-24d4adee9b25 ## Job description This position will be responsible for supporting the Credit Legal team in ensuring the legality and compliance of credit and collateral documentation. The candidate is expected to have solid experience in banking credit, credit underwriting, and collateral binding. Key responsibilities include reviewing and validating legal and collateral documents, drafting credit and collateral binding agreements, and ensuring all processes comply with applicable regulations to minimize legal risks for the company. Responsibilities: - Review and verify the completeness, validity, and authenticity of credit application documents and collateral documents. - Prepare and review credit agreements, collateral binding agreements, notarial deeds, and other legal documents related to credit facilities and collateral binding. - Ensure that credit and collateral binding processes comply with applicable laws and regulations, Bank Indonesia regulations, OJK (Financial Services Authority) regulations, and Bank internal policies. - Provide legal opinions and recommendations related to credit documentation and collateral matters. - Coordinate with business units, Credit Operations, notaries, and other relevant parties to ensure the smooth and proper execution of credit and collateral binding processes. Requirements: - Minimum Bachelor’s degree (S1) in Law from a reputable university. - Minimum 2 years of experience in credit legal, credit administration, or a related field. Experience in banking or financial services is highly preferred. - Good understanding of civil law, collateral law, credit documentation, and applicable financial services regulations. - Proficient in drafting and reviewing legal agreements and contracts. - Strong sense of responsibility, attention to detail, and ability to work under tight deadlines in a dynamic, fast-paced environment. - Able to work independently and collaboratively, with high integrity, commitment, and the ability to maintain confidentiality. - Good interpersonal, negotiation, analytical, and communication skills. - Good command of English, both written and verbal. ## About Amar Bank ## Company Overview - **One-liner**: Amar Bank is an Indonesian digital bank offering AI-powered savings, deposits, and lending services, focused on financial inclusion for unbanked and underbanked individuals and MSMEs. - **Entity Type**: Public (IDX: AMAR) - **Headquarters**: Jakarta Selatan, Indonesia - **Founded**: 2014 (digital banking operations began) - **Founders**: Not publicly available ## Core Business - **Primary industry**: Digital banking / consumer finance - **Target customers**: B2C (individuals, especially unbanked/underbanked) and B2B (MSMEs, corporate lending) - **Mission**: Empower individuals and MSMEs through financial health and genuine inclusion, creating smiles for 200 million people. ## Products & Services - **Tunaiku**: Digital lending platform offering personal loans up to IDR 30 million with flexible tenors up to 30 months. Served over 14 million applicants and disbursed over IDR 9 trillion in loans as of 2023. - **Celengan**: Flexible savings account with 5.5% p.a. interest, credited daily. - **Deposito**: Time deposit with competitive rates up to 9% p.a. - **Corporate Lending**: Business loans and financing solutions for enterprises (indicated by job postings for Corporate Lending Circle Lead). ## Market Standing - **Valuation/Market Cap**: IDR 3,184,525 million (approx. US$199 million) as of May 2025 (Reuters). - **Key Metric**: Annual revenue not publicly disclosed in USD; Price-to-Sales ratio (TTM) of 1.90 implies revenue around IDR 1.67 trillion (~US$104 million). Total loans disbursed via Tunaiku exceed IDR 9 trillion. - **Notable Investors/Partners**: SBI Group (post-IPO equity 2025), Investree (post-IPO secondary 2022). Regulated by OJK and participant in LPS deposit guarantee. - **Growth Signals**: 464 employees (+3.2% YoY); 83,614 LinkedIn followers (+26.4% YoY); active hiring across multiple roles; Tunaiku’s strong loan portfolio growth. ## Competitive Advantages - **Pioneering digital bank in Indonesia**: One of the first fully digital banks licensed and supervised by OJK. - **AI-powered personalization**: Uses AI and cloud technology to tailor savings, payments, and financial management. - **Strong brand in inclusive lending**: Tunaiku has a proven track record of serving the unbanked/underbanked, with wide geographic reach. - **Deposit insurance**: Customer deposits are guaranteed by LPS up to IDR 2 billion. ## Strategic Focus - **Deepening digital banking**: Expanding AI-driven features for savings, payments, and lending. - **Scaling MSME and corporate lending**: Building out corporate lending teams and products. - **Geographic expansion**: Hiring field collection and customer experience roles across multiple Indonesian cities (Surabaya, Makassar, Palembang, etc.). - **Talent acquisition**: Actively recruiting for technology, finance, commercial banking, and retail banking roles to support next growth phase. ## Why Work Here - **Culture**: Emphasizes “Unlimited Innovation” and a highly collaborative team environment. - **Work model**: On-site positions in Jakarta and other Indonesian cities. - **Engineering focus**: Multiple Head of Engineering roles and tech teams; use of AI in products and hiring processes. - **Growth opportunity**: Public company with strong headcount growth and expanding product lines. - **Employer rating**: 3.7/5 on LinkedIn (57 reviews), with culture rated 3.6 and career opportunities 3.4. - **Perks**: Not explicitly listed, but the bank offers competitive financial products and a mission-driven environment focused on financial inclusion. ## Sources 1. [amarbank.co.id](https://amarbank.co.id/) 2. [jobs.lever.co/amarbank](https://jobs.lever.co/amarbank) 3. [linkedin.com/company/ptbank-amar-indonesia-tbk](https://id.linkedin.com/company/ptbank-amar-indonesia-tbk) 4. [reuters.com/markets/companies/AMAR.JK](https://www.reuters.com/markets/companies/AMAR.JK) 5. [amarbank.co.id/karir](https://amarbank.co.id/karir) ## Other roles at Amar Bank - [Risk Management Officer](https://feeny.ai/job/risk-management-officer-amar-bank-jakarta-6tag0k6qhd3v) — Jakarta, Indonesia - [Risk Management Function Head (Division Head)](https://feeny.ai/job/risk-management-function-head-division-head-amar-bank-jakarta-cymgjx0tfreq) — Jakarta, Indonesia - [Finance, Accounting & Reporting](https://feeny.ai/job/finance-accounting-reporting-amar-bank-jakarta-1qmg0cyt4jzm) — Jakarta, Indonesia - [Amar Bank Digital - Business Head](https://feeny.ai/job/amar-bank-digital-business-head-amar-bank-jakarta-fkg0chmmy26w) — Jakarta, Indonesia - [Customer Service - Makassar](https://feeny.ai/job/customer-service-makassar-amar-bank-makassar-yvre5scq5waa) — Makassar, Indonesia - [Field Collection - Bogor](https://feeny.ai/job/field-collection-bogor-amar-bank-jakarta-w5qk1j31r3nn) — Jakarta, Indonesia - [Field Collection - Bekasi](https://feeny.ai/job/field-collection-bekasi-amar-bank-jakarta-stshke8pnc7v) — Jakarta, Indonesia - [Field Collection - Tangerang](https://feeny.ai/job/field-collection-tangerang-amar-bank-jakarta-07hapcwcfych) — Jakarta, Indonesia - [Senior Marketing Technology (Customer Data & Marketing Analytics)](https://feeny.ai/job/senior-marketing-technology-customer-data-marketing-analytics-amar-bank-jakarta-5dnwxvg7cywr) — Jakarta, Indonesia - [Funding Team Lead - Branch Satrio](https://feeny.ai/job/funding-team-lead-branch-satrio-amar-bank-jakarta-nnybbm2rfy2n) — Jakarta, Indonesia