Why This Role
Picture this: a customer walks into one of our financial service client’s branches needing cash by end of day — for an emergency fund. Children’s school fees. Parents’ medical bills. Multiply that moment by 300++ branches (and still growing) across a fast-growing network, every single day. That’s the scale you’d be operating at.

Our client is a fast-growing retail financial services company operating an OJK-licensed branch network with multiple product lines — including gold, electronics, and BPKB — expanding aggressively across the region. Whether that customer walks in or walks past to a competitor comes down to one thing: the strategy we choose to deploy — or don’t. This role exists to make sure they walk in.

This isn’t a job where you hand over a slide deck and wait for someone else to run with it. You’ll set the direction and get in the trenches to make it happen — working with branch teams, testing pricing, benchmarking competitors, pushing new product boundaries. Every decision you make ripples across hundreds of branches, not one. If you want a role where strategy and hands-on execution live in the same job — and where the impact is impossible to miss — this is it.

What You’ll Do

• Set the demand generation agenda — build and drive the strategy that brings more customers, more volume, and better-quality demand into 300++ branches (and still growing) across 3 product lines (Gold, Electronics, BPKB)
• Make our pricing impossible to ignore — continuously review and refine loan values so our offer is the most competitive one in the market, not just “good enough”
• Build marketing that shows up in the numbers — design initiatives measured by footfall and disbursement at the branch level, not impressions or brand awareness
• Stay a step ahead of competitors — run ongoing competitive benchmarking to catch where the market’s moving before everyone else does
• Open new doors for growth — push the boundaries on what collateral we accept, unlocking entirely new customer segments
• Coordinate across product and compliance — work closely with Product and Compliance teams, especially for new product rollouts
• Take it from whiteboard to branch floor — you’re not handing this off. You’ll work directly with branch and cross-functional teams to get initiatives live, adjust in real time, and own the results

Why Top Candidates Will Want This

• Scale most people never get access to — you’re not optimizing one store or one product; you’re shaping strategy across a large, fast-growing branch network scaling across the region
• Your work won’t hide in a deck — every initiative you launch shows up directly in P&L and branch performance, visible to leadership from day one
• Built for people who want both — most roles force a choice between strategy and execution. Here, you get to do both.

What We’re Looking For

• 3–5 years of experience in growth, marketing, business strategy, or commercial roles — ideally in lending, multifinance, fintech, or retail financial services
• A strategist who also executes — comfortable moving from market analysis and strategy decks to hands-on implementation with branch teams, not just handing off recommendations
• Strong analytical and pricing instincts — experience with pricing strategy, loan/value structuring, or competitive benchmarking is a big plus
• Data-driven decision making — able to translate branch performance data and market signals into concrete strategy and action
• Comfortable with scale and ambiguity — this role touches a large branch network across multiple product lines; you’ll need to prioritize ruthlessly and move fast without waiting for a perfect playbook
• Strong stakeholder management — able to work cross-functionally with branch operations, marketing, product, compliance, and risk teams to get initiatives implemented on the ground
• Willingness to be in the field — regular branch visits across the region to understand what’s actually happening at the point of customer contact
• Bahasa Indonesia and English proficiency — for working across branch teams and leadership reporting
• Bachelor’s degree required; MBA or equivalent experience a plus, not a must