Job Responsibilities
- Business Strategy & Overall Operation Develop medium and long-term business strategies and annual operational KPIs covering loan scale, revenue, profit and NPL control based on Indonesian automotive market conditions, OJK regulations and industry competition. Take overall accountability for company operating performance. Conduct regular reporting on operation data, risk status and strategy progress to the headquarters, and implement localized business adjustment schemes. Manage company-wide budget, cost and capital arrangement to ensure stable operating cash flow.
- Market Development & Business Expansion Lead automotive finance product iteration, channel recruitment and dealer system construction, expanding new car, used car and ride-hailing vehicle financing businesses. Review and approve channel policies, subsidy marketing activities and commercial cooperation plans, and maintain long-term strategic partnerships with OEMs, large dealerships and automotive groups. Dynamically optimize pricing and market strategies by analyzing industry trends and competitor moves, balancing business growth and channel fraud risks.
- End-to-End Operational Management Establish and optimize standardized full-link operational SOPs, including application intake, credit approval, loan disbursement, post-loan asset management, delinquency collection, repossessed vehicle disposal and document management. Improve operational efficiency by reducing labor costs, operating losses and asset disposal expenses, and allocate resources for field operation, warehousing and legal affairs. Address major customer complaints, channel disputes and business emergencies to guarantee continuous and stable operation.
- Digital & IT System Management Take charge of the planning, upgrading and implementation of core credit systems, risk decision systems, automatic repayment systems and business management platforms. Promote digital transformation including online business processing, automatic approval and data visualization, and reduce manual workflow. Oversee internal technical teams and external IT vendors, ensuring system stability, business data security and customer information compliance in line with Indonesian local data laws.
- Comprehensive Risk & Compliance Management (Core) Build a full-cycle risk control system covering channel access verification, customer anti-fraud, credit underwriting, in-loan monitoring, non-performing asset management and AML compliance. Set clear corporate risk thresholds for delinquency rate, bad debt rate and fraud rate, and approve high-risk business schemes and bulk NPL disposal plans. Maintain regular communication with Indonesian OJK, tax and audit authorities, and ensure full compliance in finance, collection and accounting work to avoid regulatory penalties and major operational risks. Lead emergency disposal of major risk incidents such as organized loan fraud, channel risks and regulatory inspections.
- Team & Public Relationship Management Build and optimize the organizational structure of marketing, operation, risk control, IT and functional departments. Be responsible for core talent appointment and removal, performance management and team culture construction. Maintain external public relations and long-term cooperation with regulatory authorities, law firms, investment institutions and industry partners.
Requirements
- Bachelor's degree or above; majors in Finance, Automobile, Business Administration, and Risk Control are preferred.
- At least 5 years of end-to-end management experience in Indonesia's local automobile finance / financial leasing industry, with at least 3 years of senior management experience; must have full operational oversight of market, operations, and risk control divisions; prior experience at a Chinese-financed financial enterprise operating in Indonesia is preferred.
- Fluent business-level Indonesian; basic Chinese communication skill; English is a plus.
- Familiar with Indonesia's OJK financial leasing regulatory framework, AML (Anti-Money Laundering) regulations, vehicle disposal processes, and dealer channel business models; has proven track record in system digital transformation, non-performing asset reduction, and scalable channel expansion.
- Strong overall coordination and strategic planning capabilities; able to drive balanced development across four key pillars: market expansion, operational efficiency, system construction, and risk control.
- Excellent business negotiation, government-enterprise relations, and crisis PR skills; capable of independently engaging with regulators, top-tier channel partners, and funding partners.
- High professional ethics; strictly maintain confidentiality regarding company operations, assets, and funds; maintain clear risk boundaries and do not pursue scale at the expense of risk control.
- Language Required: Advanced English. Basic in Mandarin.
Recruitment Fraud Notice
PT BYD Auto Indonesia
does not charge any fees at any stage of the recruitment process. This includes, but is not limited to, application fees, testing fees, interview fees, medical examination (MCU) fees, processing fees, travel expenses, or any other recruitment-related costs.
Please remain vigilant against fraudulent recruitment activities carried out in the name of PT BYD Auto Indonesia. All official recruitment communications will only be conducted through our authorized corporate channels.
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