PT BFI Finance Indonesia Tbk (BFI Finance) is one of the long-established pioneers in the financing sector in Indonesia. Founded in 1982, BFI Finance is recognized as a company with a wide network, supported by more than 200 financing outlets across provinces. In 1990, the Company became one of the first multifinance companies to list its shares on the Jakarta Stock Exchange and Surabaya Stock Exchange (both now known as IDX), with the ticker code BFIN.

PT BFI Finance Indonesia Tbk

<ol>
	<li>Melakukan kegiatan penagihan dan recovery keterlambatan 91 - 270 hari</li>
	<li>Bertanggung jawab dalam pencapaian KPI melalui kegiatan collection &amp; recovery problem account baik penyelesaian melalui jalur litigasi ataupun non litigasi</li>
	<li>Membuat Memorandum Analisa Kasus (MAK) dan menyusun Rencana Penanganan Konsumen (RPK) yang efektif untuk mendukung kegiatan recovery</li>
	<li>Membangun kerjasama dengan pihak ketiga untuk peningkatan efektifitas recovery (KJPP, Balai Lelang, KPKNL, Eksternal Lawyer, Funder, Agent Property, dll)</li>
	<li>Bertanggung jawab dalam pelaksanaan strategy recovery seperti kegiatan lelang, penjualan bawah tangan, pelunasan, inventory, dan assignment pihak ketiga</li>
	<li>Membuat dokumen serah terima penanganan debitur dari ARO kepada PBF Asset Management (kronologis pastdue, history penanganan, dokumentasi surat peringatan, dll) atas kontrak-kontrak yang roll to WO)</li>
</ol>

Recovery Officer | Jawa Timur

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>Drafting perjanjian bisnis dan corporate.</li>
	<li>Menganalisa dan mereview perjanjian bisnis dan corporate.</li>
	<li>Membantu Unit Bisnis dalam menghadapi somasi atau gugatan ke Pengadilan oleh pihak ketiga.</li>
	<li>Menyiapkan hingga terlaksananya jual beli tanah dan bangunan.</li>
	<li>Membantu pengurusan perijinan melalui One Single Submission hingga ke instansi terkait.</li>
	<li>Membantu persiapan dan proses dari segi legal untuk kredit serta produk-produk perbankan atau financial.</li>
	<li>Membantu RUPS Perseroan, baik formal maupun sirkuler, Jual Beli Saham, Persetujuan Komisaris, dan sebagainya (sesuai UUPT).</li>
	<li>Pendirian PT Indonesia dan luar negeri (Singapura, Hongkong, Common Island)</li>
</ol>

Corporate & Business Legal Officer

<ol>
	<li>Standardize documents for each type of transaction in the company</li>
	<li>Analyze and make adjustments to agreement documents and/or transaction flows in connection with the issuance of the latest laws and regulations.</li>
	<li>Provide opinions in relation to transactions on non-standard business activities.</li>
	<li>Create report to stakeholders on cases faced</li>
</ol>

Legal Management Specialist

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

<ul>
	<li>Review legal validity of documents, as well as the legal capacity of parties involved in credit agreements and collateral binding</li>
	<li>Execute credit agreements and collateral binding with customers</li>
	<li>Prepare and draft MoU for cooperation with KJPP</li>
	<li>Prepare reports related to Auctions, AYDA, and Credit Agreements</li>
	<li>Prepare documentation for Auctions and AYDA.</li>
</ul>

Legal Litigasi Jambi Area

<ul>
	<li>Melakukan penagihan kepada konsumen telat bayar</li>
	<li>Mengunjungi konsumen yg telat pembayaran</li>
	<li>Memberikan Surat Peringatan (SP) kepada konsumen telat bayar</li>
	<li>Melakukan control data pastdue</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>
</ul>

Staff Penagihan Penempatan Mataram

<ul>
	<li>Menangani collection bucket di atas 210 hari untuk product Car (Mobil).</li>
	<li>Melakukan proses rekrut eksternal collector sampai dengan registrasi.</li>
	<li>Mengevaluasi kinerja eksternal collector yang sudah direkrut.</li>
	<li>Bekerjasama dengan pihak ketiga untuk proses pencapaian dicabang</li>
	<li>Berkoordinasi dengan Manager perihal proses kerja dilapangan</li>
</ul>

Asset Recovery Car Officer Branch Tangerang

Gambaran Pekerjaan

Field Asset Management adalah staff atau karyawan yang bertanggung jawab mengenai aset perusahaan di lapangan. Lebih detail dijabarkan sebagai berikut: 

<ul>
	<li>Melakukan penagihan secara profesional kepada konsumen telat bayar</li>
	<li>Melakukan control data pastdue</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>
</ul>

Collector Penempatan Lombok Barat

GTech is a global digital technology enabler, we provide integrated digital solutions for multiple industries. Our platforms cover omnichannel commerce digitalization, DTC commerce transformation, FinTech, Customer Relationship Management and supply chain digitalization.

PT GTECH DIGITAL ASIA

<ul>
	<li>Provide legal guidance on corporate, commercial, and regulatory matters within the tire or mining industry.</li>
	<li>Draft, review, and negotiate contracts, agreements, and other legal documents.</li>
	<li>Ensure compliance with local, national, and international laws and regulations.</li>
	<li>Manage legal risks related to business operations and transactions.</li>
	<li>Advise management on legal implications of business decisions and strategies.</li>
	<li>Represent the company in legal matters, including disputes and litigation.</li>
	<li>Work closely with internal teams (e.g., HR, finance, operations) to ensure legal compliance across departments.</li>
	<li>Keep up to date with industry-specific legal trends, regulations, and best practices</li>
</ul>

Legal Counsel | SPEEDWORK

Astra Financial is a brand of the financial services division of PT. Astra International Tbk. Astra Financial manages 12 business entities; Astra Credit Companies, FIFGROUP, Toyota Astra Finance, Komatsu Astra Finance, Surya Artha Nusantara Finance, Asuransi Astra Buana, Astra Life, Astra Ventura, Dana Pensiun Astra, MauCash, AstraPay and Moxa.

Astra Financial is one of Astra’s seven business divisions, in addition to Automotive, Heavy Equipment, Mining, Construction and Energy, Agribusiness, Infrastructure and Logistics, Information Technology, and Property.

With a value proposition in the form of best value, integrated and speed, Astra Financial always prioritizes the “Prudent” principle and applies good governance in running the business in all financial services. Astra Financial has a mission to become a partner for the Indonesian people to maximize their financial potential and enable the community to prosper.

Astra Financial

<ul>
	<li>Develop and Conduct governance supervision program for Astra Financial holding to their Financial Services subsidiary</li>
	<li>Develop and Conduct Compliance Programme for Conglomeration Group (POJK 30/2024)</li>
	<li>Develop Policy and Standardization Document to be implemented in Astra Financial Holding</li>
	<li>Conduct data consolidation, data analysis and reporting to OJK</li>
	<li>Conduct analysis and acting as Project Monitoring on implementing emerging laws and regulation related to the company and its Financial</li>
	<li>Maintain Communication with External Stakeholder (Government Bodies ex: OJK, BI, Kominfo, KPPU, etc. and Association of Industry)</li>
</ul>

Integrated Governance & Compliance Analyst

<ul>
	<li>Menangani dokumen-dokumen, surat-surat dan perizinan perusahaan serta mempelajari perkembangan peraturan dan ketentuan hukum yang berakibat langsung maupun tidak langsung kepada perusahaan (Compliance).</li>
	<li>Menangani permasalahan hukum, baik untuk masalah hukum perdata maupun pidana.</li>
	<li>Melakukan review dokumen legal terkait perijinan dan syarat-syarat perijinan, serta aktivitas corporate legal termasuk menangani perjanjian bisnis dan pengelolaan dokumen legal.</li>
	<li>Mengurus dan memelihara dokumen hukum (HAKI, Akta Perseroan Perusahaan dan perubahannya, dokumen perijinan yg baru, serta perpanjangannya, dan dokumen hukum lainnya) termasuk pengurusan izin usaha melalui website One Single Submission (OSS)</li>
	<li>Melakukan pembaharuan terkait dengan dokumen legal bisnis di internal sesuai dengan regulasi dan ketentuan bisnis terbaru</li>
	<li>Menganalisa &amp; memberikan rekomendasi atas kasus/ perkara yang melibatkan perusahaan</li>
</ul>

Legal Business Officer

Toyota Astra Financial (TAF) was established by Astra International and Toyota Financial Services Corporation as a financial company and part of both Astra Group and Toyota value chains to provide financing solutions which support automotive sales in Indonesia.

Offers varieties of financing facilities, primarily focused on financing vehicles, with the option of conventional or sharia financing according to customer needs.

TAF develops a reliable service network based on good relationship with dealers, digitalization for more optimal access and connectivity in the business ecosystem, as well as agile organization with embedded risk management lifestyle.

Build Your Future with TAF!
1.	Health insurance for all TAF Employees
2.	Training and promotion chance in all TAF business sectors
3.	A positive working environment that promotes employee safety, growth, and goal attainment

Vision
Preferred financing solution for Toyota ownership through service excellence.

Mission
1.	To provide best value to customers
2.	Being a partner of Toyota to achieve long term success
3.	To provide sustainable value creation to stakeholders
4.	Being an employer of choice
5.	To share prosperity to community

Toyota Astra Financial Services

1. Develop and conceptualize the industrial relations framework in alignment with company policies and government regulations, including management commitment. 
2. Resolve industrial relations issues between the company, employees, or third-party partners, ensuring compliance with company regulations. 
3. Prepare and provide assistance to parties involved in labor-related matters, ensuring understanding and adherence to relevant laws 
4. Monitor and facilitate the implementation of internal work relationship programs between employees and management. 
5. Facilitate, monitor, and evaluate employee engagement programs, including mandatory national events, company events (such as anniversaries, employee gatherings, religious events), and employee programs at branches or headquarters (such as sports and other activities). 
6. Facilitate, monitor, and evaluate employee engagement programs, including mandatory national events, company events (such as anniversaries, employee gatherings, religious events), and employee programs at branches or headquarters (such as sports and other activities). 
7. Evaluate the labor regulations and company regulations and socialized it to employees. 
8. Conduct employee termination processes, including handling exit interviews, disputes, and labor issues. 
9. Lead and manage employee engagement surveys and programs to enhance employee involvement and satisfaction within the organization

HR Industrial Relation Analyst

<ol>
	<li>Melakukan pendekatan persuasif dan penagihan konsumen yang memiliki keterlambatan pembayaran &gt;90 hari.</li>
	<li>Melakukan pemberian SP kepada konsumen yang mengalami keterlambatan pembayaran.</li>
	<li>Menjaga hubungan kerja yang baik dengan konsumen dan pihak terkait (ormas, eksternal / professional collector, mata elang, dll).</li>
	<li>Melakukan penarikan barang jaminan konsumen yang bermasalah.</li>
	<li>Penempatan Seluruh Jawa Timur</li>
</ol>

Remedial Officer Jawa Timur

NICEpay is an Internet Payment Gateway Provider which brings you a reliable technical support and proven expertise in local system integration, empowering merchant boarding, and maintenance. We are empowering merchant to secure its e-commerce revenue streams from anywhere in the world with our enhanced Fin-Tech solution. We are IT company working with banks and online merchant in delivering Internet Payment Gateway Solution for your e-commerce business.

PT IONPay Networks (NICEPAY)

<ul>
	<li>Leading, motivating, and guiding and set the target of the legal and compliance team.</li>
	<li>Creating and maintaining a framework for compliance across all departments </li>
	<li>Developing and implementing compliance policies and procedures. </li>
	<li>Identify and assess gaps between existing policies and procedures and new regulatory requirements, and recommend necessary adjustments to ensure compliance</li>
	<li>Communicating compliance requirements and updates to relevant stakeholders. </li>
	<li>Providing legal advice to other departments on a wide range topic</li>
	<li>Maintain and monitor company's compliance according to Bank Indonesia regulations, PPATK and principal regulations</li>
	<li>Provide assistance to the business and marketing team on commercial negotiations with Banks, principals, payment issuers, payment system partners, merchants and vendors</li>
	<li>Examine the legal issues related to new payment products/features and digital payment innovation</li>
	<li>Prepare, review, and revise any legal documents related to the business and operational</li>
	<li>Liaise with Bank Indonesia, PPATK, public notaries, lawyers, external auditors, and government authorities in relation to corporate matters</li>
	<li>Conduct periodic internal audit and responsible for create the audit framework plan and perform the audit execution and collaborate with a diverse range of businesses and stakeholders to identify continual improvements in all departments</li>
	<li>Ensure that the Company's business and operations are in compliance with applicable regulations</li>
</ul>

Legal & Compliance Team Leader

<ol>
	<li>Pembelian &amp; Penjualan Properti (Tanah dan Bangunan), khususnya dalam hal pengecekan legalitas dan kesiapan dokumen transaksi.</li>
	<li>Pengelolaan legalitas seluruh aset tanah dan bangunan perusahaan, khususnya pertanahan (perpanjangan HGB, sertifikasi, roya, sita aset dan pengelolaan pemilikan sertifikat tanah).</li>
	<li>Pengelolaan Legalitas Perizinan, baik perizinan proyek, perizinan baru maupun perizinan periodik (OSS RBA, SIMBG: PBG &amp; SLF, AMDAL. Net, aplikasi pemerintah daerah, dll).</li>
	<li>Kebutuhan legalitas (drafting, opini, standing, searching, peraturan perundang-undangan, dll).</li>
</ol>

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