Introduction

PT. Bina Artha Ventura, a reputable financing institution operating across Sumatra, is expanding its field team in Baturaja Timur. We are seeking energetic and motivated individuals to join us as Petugas Lapangan (Account Officer). This role is centered on community‑based lending, empowering women from low‑ to middle‑income backgrounds to start or grow their own micro‑enterprises. The position offers a stable career path, competitive compensation, and the chance to make a tangible difference in local economies.

The successful candidate will work primarily in the field, building relationships with prospective borrowers, forming productive groups, and providing ongoing support to ensure the success of their businesses. If you are a proactive communicator with a passion for community development, we invite you to apply through the link bit.ly/Sumselpelamarbav.

Responsibilities

Identify and approach potential partners, focusing on women from low‑ to middle‑income households who are interested in starting or expanding a micro‑business.
Organize and facilitate the formation of productive groups, typically consisting of ten (10) women, to enable collective borrowing and mutual support.
Assess creditworthiness, process loan applications, and disburse working‑capital loans in accordance with company policies.
Provide regular coaching and mentorship to borrowers, covering topics such as financial management, marketing, and operational efficiency.
Maintain strong, trust‑based relationships with all partners, ensuring open communication and timely resolution of issues.
Collect loan repayments by organizing bi‑weekly meetings, monitoring payment schedules, and reporting collection performance to management.
Document field activities, update the company’s CRM system, and prepare weekly progress reports for supervisors.
Collaborate with internal teams—such as risk, product development, and training—to continuously improve the group‑lending model.
Participate in community events and outreach programs to raise awareness of Bina Artha Ventura’s financing solutions.

Requirements

Minimum education: SMA/SMK or equivalent.
Age: Up to 30 years old.
Gender: All genders are welcome.
No prior experience required; fresh graduates with a strong willingness to learn are encouraged to apply.
Excellent communication skills, both verbal and written, with the ability to build rapport quickly.
Basic marketing and problem‑solving abilities to promote loan products and address borrower challenges.
High level of integrity, reliability, and a customer‑service mindset.
Proficiency with smartphones and basic office software; willingness to learn the company’s loan management system.
Ability to work independently in the field, manage time effectively, and handle a dynamic schedule (Monday‑Friday, 08:00‑17:00).

Benefits

Base salary that exceeds the regional minimum wage (UMK) plus performance‑based incentives paid monthly and semi‑annually.
Clear pathway to permanent employment after a six‑month review period.
Annual holiday allowance (Tunjangan Hari Raya) and full BPJS health and employment coverage.
Daily fuel allowance, monthly motorcycle service allowance, and a phone credit stipend.
Comprehensive training program with defined career progression, allowing you to advance to senior officer or supervisory roles.
Access to professional development resources, including workshops on micro‑finance, leadership, and digital tools.
Opportunity to work in a supportive, family‑like environment that celebrates achievements and encourages teamwork.

About Company

PT. Bina Artha Ventura is a leading financing institution specializing in micro‑credit and group lending solutions across Indonesia. Our mission is to foster inclusive economic growth by providing affordable capital to underserved segments, particularly women entrepreneurs. With a strong presence in Sumatra, we combine rigorous risk management with a deep understanding of local market dynamics. Our culture emphasizes integrity, continuous learning, and a genuine commitment to improving the livelihoods of our partners.

To learn more about the role, watch our introductory videos:

Account Officer overview: https://youtu.be/R7jBgQvofjE
Branch Officer overview: https://youtu.be/q-Wky-TsVyc

The recruitment process consists of a HR interview followed by a user interview, and there are no fees associated with applying. Join our growing family and help shape a brighter future for the communities we serve!