--- title: 'Risk Management Officer at Amar Bank' canonical: 'https://feeny.ai/job/risk-management-officer-amar-bank-jakarta-6tag0k6qhd3v' type: 'job' last_seen: '2026-10-21' --- # Risk Management Officer at Amar Bank - **Company:** Amar Bank - **Location:** Jakarta, Indonesia - **Employment:** contract - **Work type:** onsite - **Posted:** 2026-10-21 - **Last confirmed live:** 2026-10-21 - **Apply:** https://jobs.lever.co/amarbank/96bf8362-0895-4bed-9c58-6a7365fd7877 ## Job description Who are we? Amar Bank is one of the most technologically advanced digital banks in Indonesia. Our leading digital lending product, Tunaiku has the distinction of being the first FinTech product in Indonesia. We are also the first digital bank on the cloud. As the first profitable digital bank, we managed to get listed on the Indonesian Stock Exchange. How did we manage to do that? We are changing people’s perception of a bank. We believe we are the innovators who combine customer focus principles with creating technology-based impact. We incorporate freedom and flexibility as part of our startup working culture DNA to encourage innovation in creating better financial solutions for the banking industry. We think of ourselves as, ‘A technology company with a banking license’. For this reason, we ‘Act like a FinTech, and think like a Bank.’ How did it all start? Founded on March 15, 1991, in Surabaya as PT Anglomas International Bank (Amin Bank), the bank was acquired by Tolaram Group and transformed to PT Bank Amar Indonesia (Amar Bank) in 2014. It has then undergone a significant digital transformation to become one of the country's forerunning fintech institutions through its award-winning digital lending platform, Tunaiku. Our philosophy, mission, and vision Technology must impact lives, must improve lives. We exist to provide banking to those who ‘need’ and not only to those who ‘want’. Services when provided to those who need at the time of their need brings smiles. Our vision is to bring 200 million smiles. More about the bank with startup culture environment Consist of 1000+ people, you will meet people who love to grow, dream big, and actually have fun at the workplace! We provide a great working environment that pushes people to grow outside their comfort zone. People with high drive and ambition find us a very attractive place to work as their career growth matches their own drive and not any staid policies. Thus we hold the honor of being awarded “Best Place to Work in Indonesia”. Recently Amar Bank was awarded as Inspirational Brand from APEA (Asia Pacific Enterprise Awards) 2022. Of course, our innovation won't stop here. So if you would love to be a part of it, have a growth mindset, and are constantly hungry for challenges, we invite you to join us in our journey to ‘Impact Lives’. Join us today and create #unlimitedinnovations! About the position: Responsible for banking risk management, including reviewing credit processes and analysis, preparing regulatory reports and bank risk profiles, stress testing, scoring validation, calculating market and funding risks, and monitoring the implementation of policies and risk management follow-ups. Responsibilities: - Update the Risk Appetite & Risk Tolerance through Board of Directors Decrees (SK Direksi) and conduct studies using historical data. - Responsible for reviewing the credit granting process and credit analysis for both MSME and Commercial & Corporate Banking. - Prepare the Bank Health Level Report (Tingkat Kesehatan Bank - TKB). - Prepare the Internal Capital Adequacy Assessment Process (ICAAP) report / Bank Minimum Capital Requirement. - Responsible for performing score validation for Tunaiku credit scoring through backtesting processes. - Prepare the Bank Risk Profile Report. - Perform Macroeconomic Stress Testing calculations. - Calculate Risk-Weighted Assets (RWA / ATMR) for Market Risk. - Monitor the maximum limit allocation for Tunaiku (credit limits > IDR 30 Million). - Calculate the funding profile via the Internal Liquidity Adequacy Assessment Process (ILAAP). - Accountable for the overall Risk Management Function activities assigned under his responsibility. Requirements: - Bachelor's degree (S1) in Finance, Accounting, Economics, Business Administration, Applied Mathematics, Statistics, or a related quantitative field. - Minimum 3-5 years of relevant experience in Banking Risk Management, Market Risk, Liquidity Risk, or Enterprise Risk Management (ERM) in the banking sector. - Strong working knowledge of OJK regulations regarding Bank Risk Profile (TKB), ICAAP, ILAAP, and Market Risk RWA (ATMR) calculations. - Experience in conducting Macroeconomic Stress Testing and credit scoring model validation/backtesting. - Solid background in reviewing credit analysis and processes for MSME and Commercial/Corporate banking facilities. - Proficiency in financial modeling, quantitative data analysis, and advanced Excel skills. Bonus point if: - Holds relevant risk management certifications - Prior experience working with digital lending products, fintech credit risk models, or retail credit products. We exist to ensure that the project is provided with a complete risk management information system that ultimately determines how to control and oversee the project’s effectiveness and fulfillment. It’s our job to innovate strategies to mitigate identified risks, apply risk management methodologies and risk analysis tools, and integrate insurance policies of treating prioritized threats with the project management team. ## 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 Function Head (Division Head)](https://feeny.ai/job/risk-management-function-head-division-head-amar-bank-jakarta-cymgjx0tfreq) — Jakarta, Indonesia - [Credit Legal](https://feeny.ai/job/credit-legal-amar-bank-jakarta-88621wy731kd) — 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