Universal BPR is a community bank founded in 2003 by Kaman Siboro and Stephen Satyahadi - two individuals with more than 30 years of experience in banking sector. The bank is engaged in the provision of loan, saving and deposit to individuals and SMEs. For lending segment, the current ticket size is ranging from 100 million to 10 billion rupiah per customer.

Universal BPR group currently operates 10 branches located in 8 cities of Indonesia.

Universal BPR is registered and regulated by OJK (financial services authority) and is a member of LPS (deposit insurance)

MISSION STATEMENT
To become a bank that focuses on improving the quality of life of the community with integrity, respect and continuous improvement.

MOTTO
Fast, Safe, Caring

Bank Universal BPR

Melakukan pemeriksaan operasional terkait :

<ul>
	<li>Pembukaan rekening tabungan dan deposito</li>
	<li>Pemeriksaan Call back transaksi</li>
	<li>Kesesuaian laporan bulanan dan pembukuan</li>
	<li>Pemeriksaan terkait file kredit dan on the spot debitur</li>
</ul>

*) Placement ; Tambun and Bintaro, Tangerang Selatan

Internal Auditor Kredit

FIFGROUP is an affiliation company of PT. Astra International Tbk which engages in consumer financing. Currently, we serve more than 4 million active customers all across Indonesia. Founded in 1989, FIFGROUP grows excellently over the years. By the end of 2018, FIFGROUP successfully booked total revenue of IDR 9.46 Trillion.  Strengthened with the spirit of TEAM; Teamwork, Excellent, Achieving, and Moving Forward, we continue to expand our business to financial technology and various digital business platforms. We believe, everything we do is dedicated to bring a better life for the community and by doing so, we’ll get closer to our vision to be an admired national industry leader.

FIFGROUP

PT. Astra Welab Digital Arta (AWDA), didirikan pada April 2018, adalah perusahaan ventura bersama antara PT Sedaya Multi Investama yang merupakan anak perusahaan PT Astra International tbk dengan WeLab. AWDA adalah perusahaan fintech (financial technology) yang menggunakan big data dan machine learning untuk memberikan nilai kredit dan persetujuan pinjaman dengan cepat dan berkualitas. AWDA beroperasi di Indonesia berdasarkan Peraturan OJK no 77/POJK.01/2016 tentang layanan pinjam meminjam uang berbasis teknologi informasi.

AWDA berkolaborasi dengan perusahaan teknologi besar, WeLab yang merupakan salah satu perusahaan fintech terbesar di Hong Kong dan Tiongkok. AWDA memiliki cita-cita untuk berkontribusi dalam memperluas literasi dan inklusi keuangan di Indonesia, dengan memberikan kesempatan bagi konsumen di Indonesia untuk mewujudkan mimpinya melalui kredit yang mudah di jangkau. AWDA menjalin kerjasama strategis dengan lembaga keuangan untuk dapat memberikan pinjaman tunai tanpa agunan yang fleksibel kepada pelanggan.

PT. Astra Welab Digital Arta

<ul>
	<li>Menganalisa kebutuhan dana dan merencanakan strategi pendanaan tahunan</li>
	<li>Menganalisa calon funder dan mempersiapkan proses mekanisme maupun sistem yang dibutuhkan untuk proses pendanaan</li>
	<li>Melakukan koordinasi dan persiapan data untuk proses uji tuntas (due diligence) serta penyelesaian proses perjanjian kerjasama dengan funder dan/atau partner</li>
	<li>Menganalisa proyeksi ketersediaan dan kecukupan dana serta manajemen resiko jika diperlukan penyesuaian kebutuhan dana secara berkala.</li>
	<li>Melakukan koordinasi permintaan dan pengembalian dana kepada funder</li>
	<li>Melakukan rekonsiliasi dan menyusun laporan bulanan untuk setiap funder</li>
	<li>Melakukan evaluasi atas kesesuaian aspek bisnis yang telah disepakati dalam perjanjian dengan funder dan/atau partner</li>
</ul>

Joint Finance Specialist

PT BFI Finance Indonesia Tbk (BFI Finance) was established in 1982 as PT Manufacturers Hanover Leasing Indonesia, a joint venture between Manufacturers Hanover Leasing Corporation from the United States and local partners. It is one of long-established multifinance companies in Indonesia as well as the first multifinance company to be listed on the Jakarta Stock Exchange and Surabaya Stock Exchange (currently known as Indonesia Stock Exchange or IDX). BFI Finance was listed in May 1990 with ticker code BFIN. After undertaking debt restructuring due to the Asian financial crisis started in 1998, BFI Finance officially changed its name to PT BFI Finance Indonesia Tbk in 2001.

Currently, 48.15% of BFI Finance's shares are owned by Trinugraha Capital & Co SCA consortium (which among others consists of Bravo Capital Holding owned by Jerry Ng, Northstar Group, Garibaldi Thohir, and other passive investors). The remaining shares are owned by local and international institutional shareholders as well as public shareholders.

PT BFI Finance Indonesia Tbk

<ul>
	<li>Melakukan penagihan secara profesional kepada konsumen telat bayar;</li>
	<li>Melakukan negosiasi kepada konsumen telat bayar untuk melunasi kewajiban;</li>
	<li>Membuat reporting harian, mingguan, bulanan;</li>
	<li>Membuat rencana kerja dengan efektif dan efisien;</li>
	<li>Melakukan visit dan pemberian surat peringatan terhadap konsumen yang telat bayar.</li>
</ul>

Creative Thinking

Persuasion and Negotiation

Strategic Planning

Field Collector Branch Malang

Kompas Gramedia, through its more than 50 years of history, is striving for one goal: enlightening and empowering Indonesia. To ensure that we are able to serve the nation for another 50 years, we are undergoing a digital transformation; strengthening and expanding our solid business pillars by developing new digital business initiatives.

Our vision is to enlight all the people in Indonesia with all the knowledge we have.

Kompas Gramedia

<ol>
	<li>Objectively review and organization's business processes and perform audit procedures, such as: interviews, identifying risk and defining issues, developing criteria, analyzing evidence, and documenting processes.</li>
	<li>Prepares and assists the preparation of audits draft, or review reports which include the development of clear, constructive, and actionable recommendations to address risks identified.</li>
	<li>Assists in communicating the results of audit and consulting projects via written reports and oral presentations to management.</li>
	<li>Provides recommendations in improving the organization's controls and operations. </li>
	<li>Communicates with company management as needed during internal audit activities.</li>
</ol>

Internal Auditor [Corporate Comptroller]

PT BCA Finance berdiri pada tahun 1981 dengan nama PT Central Sari Metropolitan Leasing Corporation (CSML). Pada awal berdirinya, pemegang saham Perusahaan adalah PT Bank Central Asia dan Japan Leasing Corporation. Saat itu Perusahaan masih memfokuskan usaha pada pembiayaan komersial, seperti pembiayaan mesin-mesin produksi, alat berat dan transportasi.

Selanjutnya pada tahun 2001 PT Central Sari Metropolitan Leasing berubah nama menjadi PT Central Sari Finance (CSF), diikuti dengan perubahan kepemilikan saham, dimana PT Bank Central Asia, Tbk (BCA) menjadi pemegang saham mayoritas, serta perubahan fokus usaha menjadi pembiayaan kendaraan bermotor, khususnya roda empat atau lebih. Terakhir, Sesuai dengan Surat Keputusan Menteri Hukum dan Hak Asasi Manusia Republik Indonesia No.C-08091 HT.01.04.TH.2005, maka per tanggal 28 Maret 2005 PT Central Sari Finance telah berubah nama menjadi PT BCA Finance.

Kini BCA Finance sendiri telah berhasil mencatatkan asset kelolaan sebesar 52 T dengan profit 1,6 T. Dengan misinya untuk menjadi perusahaan terkemuka di industri pembiayaan PT BCA Finance senantiasa melakukan perubahan dan pengembangan model bisnis untuk menjawab tantangan dan kebutuhan zaman dimana hal ini sejalan dengan tag line perusahaan yaitu solusi tepat pembiayaan anda. 

Untuk mencapai hal tersebut PT BCA Finance memiliki nila-nilai perusahaan yang senantiasa diterapkan yaitu FOCUS yang terdiri dari:

First Class Teamwork
Orientation to Quality
Customer Focus
Uncompromise Integrity
Striving for Excellence

Melalui FOCUS ini seluruh karyawan diarahkan untuk memiliki budaya kerja yang sama sehingga tercipta sebuah Tim yang solid dalam menjalankan bisnis.

Untuk SDM sendiri selain penanaman budaya perusahaan BCA Finance juga focus pada pengembangan skill dan karir karyawannya oleh karena itu kebutuhan pejabat di BCA Finance 90% diperoleh dari internal.

PT BCA Finance

<ul>
	<li>Membuat rekonsiliasi AR, UE</li>
	<li>
	Membuat rekonsiliasi Advance Collection (titipan angsuran konsumen)
	</li>
	<li>
	Melakukan pengecekan jurnal gagal karena system dan pembuatan perbaikan jurnal harian
	</li>
	<li>
	Melakukan rekonsiliasi Controlling Account
	</li>
	<li>
	Melakukan pengecekan pengajuan tutup account untuk konsumen lelang yang akan dikreditkan kembali ke BCA Finance
	</li>
</ul>

Non Loan Staff

PT Jasa Boga Raya merupakan sebuah perusahaan atau bisnis yang bergerak di bidang Distributor Makanan yaitu catering

PT JASA BOGA RAYA

<ul>
	<li>you will be responsible for checking and verifying the company's financial transactions,</li>
	<li>keeping records and records, and being in charge of preparing financial reports accurately,</li>
	<li>to have a general understanding of taxes, especially those related to financial transactions.</li>
	<li>Prepare balance sheets, profit and loss statements, and other financial reports. Accountant duties and responsibilities also include analyzing trends, costs, revenues, financial commitments, and obligations incurred to predict future revenues and expenses. </li>
	<li>Reports organization's finances to management and offers suggestions about resource utilization, tax strategies, and assumptions underlying budget forecasts.</li>
</ul>

Accounting Associate

PT Hino Finance Indonesia ("HFI/Company") was established based on a joint venture agreement between Hino Motors Ltd., PT Indomobil Multi Jasa Tbk., and Summit Global Auto Management B.V. (part of Sumitomo Corporation) in accordance with the Deed of Establishment dated July 11, 2014. HFI is a captive financing company for commercial trucks, especially for the Hino brand, which is here to support the sales of Hino products in Indonesia through financing solutions such as, finance leases, sale and leaseback, and other products according to the company's articles of association, which are tailored to customer needs.

Hino Finance Indonesia

Role Description

This is a full-time on-site role as a Senior Accountant at PT Hino Finance Indonesia. The Senior Accountant will be responsible for managing financial statements, utilizing accounting software, analyzing financial data, preparing journal entries, and ensuring accuracy and compliance in financial reporting. The role is based in Jakarta, Indonesia.

Senior Accounting

Was founded in 2003, supporting IBM in providing skilled resources to install - move - add -change (IMAC), and to perform other activities that relates to after sales support for IBM products in Indonesia.

To support the Strategic Objectives of IBM Indonesia in providing comprehensive end-to-end IT solutions for the community, in July 2010 IBM-JTI was transformed, re-shaping its missions, and strengthening the company with new Organizations structure, including the establishment of Business Development function that will focus in developing Solutions that will address the needs of comprehensive IT solutions of the Clients in the market.Today, IBM-JTI provides Total solution services, from IT Infrastructure aspect: Hardware and Software, to the Business aspect, which includes not only IBM Products but also other leading non IBM Products. IBM-JTI will propose the best available solutions that meet Clients needs and requirements regardless the Brand of the Products.

As an IBM company, we embrace IBM Values and Business Conduct Guidelines. IBM-JTI aims to build the company into a well established and respectable Indonesia company with a strong management team by continuing strive for excellence and commitment to quality, providing effective and efficient Solution to Clients, contributing to the country in creating job opportunities and transfer of advanced technology.

PT. Jasa Teknologi Informasi IBM

<ul>
	<li>Work from strategy development to solution implementation using your knowledge of SAP and working with the latest technologies in the areas of Finance and Controlling.</li>
	<li>Expertise in SAP Finance and related capabilities, including but not limited to: Reporting, Analytics, General Ledger Accounting, Profitability Analysis, Account Receivable, Account Payable, Fixed Assets, Cost Center Accounting, Internal Orders, Profit Center Accounting.</li>
	<li>Partner with a cross-functional global team to ensure customer success in an agile environment.</li>
	<li>Help inspire, contribute to and shape our consulting capability in the SAP space as we seek to grow our offerings to existing and future customers.</li>
</ul>

SAP FICO Consultant

ATI Business Group is a Global Business Process Management, Technology and Services Company.  Our Clients’ businesses are on remarkable journeys as they strive to deliver the best possible outcomes for their customers.  Our aim at ATI in working with our Clients’, is to support their continued growth by providing cost effective technology and talented and scalable people resources on demand.

ATI’s singular focus on providing services to the travel and hospitality business communities across the globe has been a remarkably successful one.  Since commencing in 2002 with a single discipline of Fare Loading the business has grown today to supporting over 100+  independent work disciplines including Ticketing, Land and Cruise Travel Distribution, Fare Auditing, Finance and Accounting, Robotic Process Automation and Travel Technology.

We believe our success has only been achieved by always listening carefully to our Clients’ business needs and by building an effective working partnership based on trust, quality deliverables, responsiveness and efficient communication.  For further information on what makes ATI different, please log on to http://atibusinessgroup.com

ATI Business Group

Responsibilities:

<ul>
	<li>Conduct tracking, follow-up, collection, and reconciliation of transactions.</li>
	<li>Proactively contact suppliers as needed to ensure payment of outstanding invoices and enable swift payment</li>
	<li>Review account payable requests on a daily basis by comparing the information needed and submitted by agents</li>
	<li>Fixing the sale/refund billing discrepancy and ensuring all invoiced correct.</li>
	<li>Ensure all supplier invoices are received on time to meet our payment schedules</li>
	<li>Carefully follow instructions and pre-established guidelines to perform assigned tasks</li>
	<li>Ensure that all work is processed according to the team’s minimum standard.</li>
	<li>Report any issues or system limitations to the direct supervisor</li>
	<li>﻿﻿Match all invoices to the corresponding order and purchase order</li>
	<li>Ensure correct and complete setup of new suppliers in our Purchasing system (Lookout) and Accounting system (Xero)</li>
</ul>

Finance Support

After receiving confirmation from the Financial Services Authority (OJK) on 20 January 2021 as a Buku IV Bank, PermataBank is now confirmed as one of the top 10 banking institutions in Indonesia with core capital of more than IDR 30 trillion, serving nearly 4 million customers in 62 cities in Indonesia.

In 2004, Standard Chartered Bank and PT Astra International Tbk took over PermataBank and began a massive transformation process within the organization. The combined ownership of these major shareholders increased to 89.01% in 2006. 

Bangkok Bank Public Limited ("Bangkok Bank") officially became the controlling shareholder of PermataBank on May 2020 after taking over 89.12% of PermataBank's shares from the total number of shares that have been issued and paid up by Standard Chartered Bank and Astra International. Offering innovative banking products and services, PermataBank has 304 branch offices, 2 mobile branches, 942 ATMs with access to more than 100,000 ATMs (VisaPlus, Visa Electron, MasterCard, Alto, ATM Bersama) and millions of ATMs worldwide that are connected to the Visa, Mastercard and Cirrus networks. 




Permata Bank

This is a development program including one-year structured training involving class-room, on-the-job learning and coaching by subject matter experts. This comprehensive program blends classroom learning with practical, on-the-job-experiences, guided by our team of subject matter experts. Throughout the journey, you’ll gain hands-on exposure to examining and refining operating practices, enhancing financial and risk management processes, and ensuring regulatory compliance. It’s an excellent opportunity for those ready to develop a deep understanding of internal audit functions and contribute to our commitment to enhance governance, risk management, and control processes.

Trainee BAP Internal Audit

MT- CREDIT ANALYST (CMTP) 
Dipersiapkan menjadi Credit Analyst Officer

Management Trainee (Credit Analyst) CMTP

<ul>
	<li>Bertanggung jawab terhadap kelancaran pembayaran konsumen</li>
	<li>Bertugas untuk melakukan visit konsumen yang mempunyai tunggakan</li>
	<li>Memberikan surat peringatan terhadap konsumen yang telat bayar</li>
	<li>Melakukan pengamanan dan penarikan barang jaminan konsumen yang bermasalah</li>
	<li>Membuat laporan progres harian</li>
	<li>Bernegosiasi dengan konsumen untuk memberikan janji bayar</li>
</ul>

Staf Penagihan Cabang Klaten

<ol>
	<li>- Berfungsi Melakukan analisa dan pengecekan terhadap kelayakan calon konsumen </li>
	<li>- Menjalin hubungan baik antara perusahaan dengan konsumen ataupun calon konsumen BFI Finance</li>
	<li>- Memahami konsep 1P + 5C</li>
	<li>- Mengkoordinasikan staf lapangan dan mengelola data.</li>
	<li>- Bekerja sama dengan berbagai pihak di lapangan.</li>
</ol>

Surveyor Lapangan BFI Finance Pekalongan

Starting an unincorporated business in 1996, Simbadda Group has been distributing high quality consumer electronics throughout Indonesia. The business unit has started to form a corporate business since 2002.

One of our leading brands is SIMBADDA, which is known by the Indonesian people as a pioneer of speakers, cases and power supplies. We are also involved in the distribution of premium gadget accessories and PC components. Simbadda Group will continue to expand its distribution business to grow in the consumer electronics industry in Indonesia.

Simbadda Group always upholds the value of honesty, among others: honesty of quality,  honesty of cooperation in business and trying to establish cooperation with all partners  throughout Indonesia. 

Currently, Simbadda Group is expanding towards digital transformation that is looking for  enthusiastic, passionate, ambitious individuals to be part of us. 


Simbadda Group

<ul>
	<li>Prepare monthly financial report (Asset, Liability and Capital Account) and ensure the accurate &amp; correctness of financial report</li>
	<li>Review and set up Finance and Accounting procedure &amp; policy</li>
	<li>Manage daily operation in finance, accounting, and tax department</li>
	<li>Manage company’s cash flow &amp; hedging</li>
	<li>Plan and manage company’s financial budgets</li>
	<li>Recommends financial actions by analyzing accounting options</li>
	<li>Monitor on Account Receivable (AR) performance</li>
	<li>Reconciles financial discrepancies by collecting and analyzing account information</li>
	<li>Maintains financial security by following internal controls</li>
	<li>Prepare and perform tax activities including tax computation, administration, compliance and reporting</li>
	<li>Represent the Company for tax related issues</li>
	<li>Complies with Indonesian financial and tax legal requirements by studying existing and new legislation, enforcing adherence to requirements, and advising management on needed actions.</li>
	<li>Supports and contributes to other ad-hocs required by the company</li>
</ul>

Finance, Accounting, & Tax Manager

Professional Development Program (PDP) Business Collection adalah suatu program management trainee yang akan mempelajari sisi penyelamatan aset BCA Finance &amp; solusi pada konsumen, sehingga dapat membantu mendorong kinerja perusahaan BCA Finance. Dalam program ini, Anda harus siap menjalani ikatan dinas selama 30 bulan dan penempatan di cabang BCA Finance seluruh Indonesia.

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