Business Growth Senior Analyst

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 2025, 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

The Business Growth Senior Analyst will support the growth of our lending products by identifying business opportunities, analyzing trends, optimizing customer journeys, and partnering cross-functionally to drive sustainable performance. This role sits at the intersection of strategy, data, and execution.

Job description:

• Monitor and evaluate the performance of multiple branches in terms of loan disbursement,collection efficiency, PAR (Portfolio at Risk), and overall operational targets.
• Conduct regular branch visits, field inspections, and performance reviews.
• Identify underperforming branches or areas and design turnaround strategies.
• Analyze branch-level data to assess loan portfolio health.
• Evaluate geographical performance to recommend branch remapping, relocations, or new branch openings.
• Analyze client density, outreach efficiency, and market saturation to optimize branch network.
• Compile and present branch performance reports to management.
• Support digital transformation or automation projects at the branch level.
• Deep understanding of microfinance lending methodologies (group lending, individual lending).

• Bachelor’s degree in Business, Economics, Finance, Statistics, or a related field; Master’s is a plus.
• 3–5 years of experience in business analysis, growth strategy, or similar roles, preferably in lending or financial services.
• Strong knowledge of PAR management, delinquency trends, and client behavior.
• Proficient in MIS systems, Excel, Google Spreadsheets and data reporting tools.
• Understand SQL and able to make a SQL query
• Excellent leadership, communication, and analytical thinking.
• Willingness to travel extensively to remote or rural branches.
• Understanding of lending products, credit lifecycle, and customer acquisition strategies.
• Excellent communication skills with the ability to present complex data clearly.
• Comfortable working in a fast-paced, data-driven, and cross-functional environment.