Our Journey

With a renewed vision for growth and innovation, we rebranded as PT Bank SMBC Indonesia Tbk (SMBC Indonesia) in 2024, formerly known as PT Bank BTPN Tbk. This rebranding reflects our response to the dynamic changes, allowing us to consolidate our strengths and deliver even more seamless, integrated solutions for millions of customers from diverse segments across Indonesia.
 
This transformation signals our commitment to advancing and streamlining our business strategies, enabling us to better serve our customers and help them lead more meaningful and fulfilling lives. At the heart of this rebrand is our dedication to supporting Indonesia's long-term development goals, in alignment with the vision of Indonesia Emas 2045.
 
In addition to these goals, we are excited to invite talented individuals and younger generations to join us, expand their careers and make a lasting impact. Together, we can drive positive change and build a brighter future for Indonesia.

Life at SMBC Indonesia

At SMBC Indonesia, our team is a close-knit family of innovative individuals dedicated to growing and making a positive impact on our communities. We offer top-notch banking services while ensuring that our team members feel appreciated and engaged thanks to cutting-edge digital technology and global expertise. We foster a flexible, open environment where employees can continuously learn, develop professionally, and aspire to become their best selves.

We cultivate a collaborative culture with open communication between leaders and team members, encouraging the sharing of ideas, feedback, and problem-solving. Strong bonds between colleagues are vital, enabling agile teamwork that drives success in today’s fast-paced banking industry.
Our office is designed for both productivity and relaxation, with activities like billiards, gaming, and karaoke available after work. SMBC Indonesia also supports various internal clubs, offering options like yoga, badminton, gaming, and parenting to keep our team active and engaged. We believe these opportunities are essential for maintaining a vibrant, innovative workforce.

Giving Back

Through our Daya program, SMBC Indonesia champions sustainable, measurable empowerment initiatives for our customers. The Daya program offers education, training, and resource-sharing to enhance entrepreneurial skills, unlock growth opportunities, and improve quality of life. Health & Wellness and Community Empowerment programs are integral parts of our business model, fostering an environment where our customers thrive alongside our business.

Adaptive to change
 
With decades of experience, SMBC Indonesia has embraced adaptability as a core value. Our approach to work reflects this, with flexible dress codes, remote work options, and digital collaboration tools to keep our team connected and productive. By embracing these changes, we are better positioned to serve our customers effectively and stay resilient in a dynamic industry. Despite the evolving challenges in banking, SMBC Indonesia remains committed to meaningful progress and impactful service that touches millions.

PT Bank SMBC Indonesia Tbk

<ul>
	<li>Coordinate and aligned Retail Banking business synergies initiatives thru Collaboration and Coalition within Retail Banking and other function within Bank.</li>
	<li>Facilitate and propose solution for any challenges or issues.</li>
	<li>Monitor and reports progress of each initiative on regular basis.</li>
	<li>Facilitate and propose solutions for any challenges or issues related to business 
	synergies initiatives.</li>
	<li>Ensure project governance in place and execute properly.</li>
</ul>

Retail Banking Coalition Management Specialist

<ul>
	<li>Menjalankan proses penagihan dan penanganan nasabah yang di mappingkan dengan menggunakan channel penagihan sesuai ketentuan agar debitur melakukan pembayaran.</li>
	<li>Membuat perencanaan harian atas penanganan Nasabah yang di mappingkan.</li>
	<li>Menjalankan penagihan yang efektif sesuai dengan Strategi dan Kualitas penagihan yang berdampak pada kualitas portofolio sesuai dengan target yang ditetapkan.</li>
	<li>Mencapai target produktivitas harian &amp; bulanan sesuai dengan yang ditentukan oleh perusahaan.</li>
	<li>Memberikan update hasil kunjungan dan mencatat setiap hasil kunjungan dalam Laporan Hasil Kunjungan Nasabah (untuk Field Collector).</li>
	<li>Melakukan komunikasi yang baik dengan Nasabah sesuai standar yang berlaku</li>
</ul>

Multi Collector Agent Digital Banking

OCBC Indonesia (formerly known as OCBC NISP) is the fourth oldest bank in Indonesia, which was founded in April 4th 1941 in Bandung under the name of NV Nederlandsch Indische Spaar En Deposito Bank.

OCBC Indonesia then grown to be a solid and dependable bank, especially in providing service for small business segments. It officially became a commercial bank in 1967, Foreign exchange bank in 1990 and public corporate in Indonesia Stock Exchange in 1994.

In the end of 1990, OCBC Indonesia managed to pass the Asia monetary crisis and the fall of banking industry without any recapitalization obligation aid from the government. OCBC Indonesia became one of the first few banks to resume lending during the crisis. This initiative enabled the Bank to note a high growth.

OCBC Indonesia good reputation and its promising growth has attracted the interest of International Finance Corporation (IFC), a part of World Bank Group, which then became a shareholder in 2001-2010 and from OCBC Singapore which then became the shareholder OCBC Indonesia. 

With the support from OCBC Bank-Singapore, OCBC Indonesia has implemented aggressive programmes to strengthen the infrastructure, human resources, information and technology, as well as office networking.

PT Bank OCBC NISP, Tbk is licensed and supervised by the Otoritas Jasa Keuangan (OJK) and is an LPS participant.

PT Bank OCBC NISP, Tbk

Banking Academy hosts 3 specialized career path within OCBC NISP. The program delivers its learning experience through structured curriculum designed specificaly for each stream.

The program divided into classroom trainings, observation, and on-the-job Training (OJT).

In OCBC NISP, we value our talents and strongly believe that career progression is a process, evolves through time, and perseverance.

Graduate Development Program – Banking Academy program is designed to accelerate the development of high qualified sales professionals in funding and lending business lines within the bank.

Presentation Skills

Business Development

Customer Service

Communication Skills

Account Management

Planning

Selling

BANKING ACADEMY FOR SALES

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

BAP RM Commercial Banking is 1 (one) year training program that prepares fresh graduates to become a proficient Commercial Banking professionals. The programs involved intensive classroom, on the job learning, and coaching by subject matter experts. Graduates of this BAP program will become to build and maintain relationships with the company’s clients and customers.

BAP Relationship Manager Commercial Banking

The Bank was established on 27 April 1971 under the name of PT Bank Pasar Pagi Madju. In line with the change in its status from a retail banking to a commercial bank in 1989, the Bank’s name was changed into PT Bank Bintang Manunggal (Bank Bima). This status change had a positive impact on the Bank’s performance and succeeded in attracting Hana Financial Group to take over the majority of the Bank’s shares. The change in the Shareholders was followed by a change in its name into PT Bank Hana.

In 2013, PT Bank Hana took a strategic action by merging with PT Bank KEB Indonesia to create synergies in the banking business. This business activity caused the Bank to change its name to PT Bank KEB Hana Indonesia or known as Bank KEB Hana. However, in 2020, Bank KEB Hana yet again made a brand change to Hana Bank. By these changes, Hana Bank is increasingly ready to strengthen its competitiveness, both in Indonesia and globally, through the consistency of the brands used by the group.
With the presence of its best people, Hana Bank provides an array of products and services designed to meet various customer needs.

Given its global reach and global standard of service, Hana Bank promises its customers to be their True Hearted Financial Partner.

Hana Bank

<ul>
	<li>Develop and maintain core banking applications to support banking activities</li>
	<li>Make analysis based on user's requirements</li>
	<li>Prepare project schedule to meet target</li>
	<li>Keep comply and secure for IT system and policy</li>
</ul>

Ruby on Rails

Java

IT Core Banking Specialist

Rich in history, strong financial health, excellent human resources, and reliable technology, BNI certainly has been on the right track to become a national bank with global capabilities.

Since its establishment in 1946, BNI has always been part of the dynamics of national development in Indonesia. Now BNI has grown and developed into a solid national bank with sustainable financial performance. ‘Serving the Country, Pride of the Nation”, BNI is challenged to continue and increase its contribution for the progress of the nation and country, today and in the future.

BNI believes that human resources are one of the most valuable assets of any company or organization, without which sustainability is not possible. BNI seeks to create a great place to contribute, learn, and grow, to be the pride of the nation.

Bank Negara Indonesia

Bank Negara Indonesia (Persero) Tbk (BNI) is one of the biggest financial institutions in Indonesia, providing services to customers with a wide array banking, investment, digital product and other sustainable financial products and solutions for domestic and international area.

To support our vision, BNI is committed to attract high-quality talents across the country to ensure our further accomplishments. You will be immersed an exceptional and challenging work environment and surrounded by colleagues and leaders who are passionate to help you grow.

This program prepares you for leadership roles across many functions and levels in BNI with one year comprehensive training journey. You will get the opportunity for exciting yet challenging exposures in BNI.

Our ODP is designed to develop future leaders and professionals in various banking functions, including:

<ol>
	<li>General Banking Functions</li>
	<li>Legal</li>
	<li>Consumer</li>
	<li>Global Analyst Program, covering Treasury, Corporate, Commercial and International Banking, and Enterprise Risk.</li>
</ol>

Officer Development Program (ODP) General Banking

Key Accountabilities

1. Financial Accountability

<ul>
	<li>Mencapai target business yang ditetapkan management.</li>
	<li>Bertanggung jawab terhadap kualitas kredit yang diberikan</li>
</ul>

2. Operational Accountability

<ul>
	<li>Melakukan proses kredit sesuai dengan alur proses yang ditetapkan</li>
	<li>Memastikan pemenuhan dokumentasi TBO dan covenant tepat waktu​​​​​​​</li>
</ul>

3. Service Accountability

<ul>
	<li>Membangun dan memperdalam hubungan dengan customer dengan cara melakukan cross selling, up selling dan lain-lain</li>
	<li>Membantu perkembangan usaha debitur dengan cara melakukan melakukan pemantauan rutin, dan memberikan informasi yang relevan dengan bisnis debitur.</li>
</ul>

 

Key Relationships

Internal

<ul>
	<li>Business Banking Credit Risk</li>
	<li>Business Banking Policy &amp; Control</li>
	<li>Supply Chain &amp; Structure Program Business</li>
	<li>Business Banking Support &amp; Customer Engagement</li>
	<li>Business Banking Strategy</li>
	<li>BTPN Sinaya</li>
	<li>Purna Bakti</li>
	<li>Operation</li>
</ul>

External

<ul>
	<li>Debitur </li>
	<li>Notaris</li>
	<li>Vendor</li>
</ul>

Relationship Manager SME [Semarang, Yogyakarta, Solo, Purwokerto]

Bumi Amartha Teknologi Mandiri or “AMARTEK” was established to provide information technology solutions. Our mission from the very first day has been to cultivate professional relationships with our clients to provide effective and reliable information technology solutions for their needs. The team at "AMARTEK" is equipped with a highly developed skillset developed over decades of experience not only in information technology but also in business processes across a range of industry sectors. This business experience makes us uniquely positioned to offer solutions promising greater operational efficiency, productivity gains and cost savings for each of our clients, regardless of their industry.

As an established technology-intensive company, we pride ourselves on providing a comprehensive suite of solutions comprising of Infrastructure Consultancy, on/offsite services, Custom software and web development, Talent Augmentation, and enterprise architecture consulting. Our team consistently delivers state-of-the-art solutions in various areas including, but not limited to: integrated business solutions, system applications, product development and professional services.

At "AMARTEK", we guarantee rapid, reliable and robust information technology solutions that work. 

PT Bumi Amartha Teknologi Mandiri

<ul>
	<li>Collaborate with business stakeholders to identify and document business needs, goals, and objectives.</li>
	<li>Conduct detailed analysis of banking processes, workflows, and systems to identify gaps or inefficiencies.</li>
	<li>Translate business requirements into clear, functional specifications for IT and development teams.</li>
	<li>Facilitate communication between business units and technical teams to ensure alignment throughout the project lifecycle.</li>
	<li>Create and maintain project documentation, including business requirements documents (BRD), process flow diagrams, and use cases.</li>
	<li>Conduct market research and competitor analysis to support strategic banking initiatives.</li>
	<li>Work closely with project managers to monitor project progress and address any emerging challenges.</li>
	<li>Validate implemented solutions to ensure they meet business and regulatory requirements.</li>
	<li>Provide ongoing support for system improvements and enhancements, including post-implementation reviews.</li>
	<li>Stay updated on banking regulations, industry trends, and best practices to provide innovative solutions.</li>
</ul>

Business Analyst

<ul>
	<li>Lead and manage projects using Agile frameworks (Scrum, Kanban).</li>
	<li>Collaborate with banking stakeholders to define project goals, scope, and deliverables.</li>
	<li>Facilitate Agile ceremonies: daily stand-ups, sprint planning, retrospectives, and reviews.</li>
	<li>Track project progress, remove blockers, and ensure timely delivery.</li>
	<li>Ensure compliance with industry standards and banking regulations.</li>
</ul>

Project Manager

Accord Innovations offers high-end quality IT products and services. We are young growing rightsized
company with entrepreneurial culture and entrepreneurial team members passionate with one
objective – client satisfaction. Primarily, Accord Innovations is an IT & business consulting, IT services
& solutions company; also dealing with IT solutions and products. Accord Innovations is
headquartered at Malaysia with a branch office in Hyderabad, India and capability to serve clients
globally.

We offer customized IT solutions and also standardized IT products, IT platforms to its clients. Accord
Innovations has a global footprint with clients from across the world. We have been serving clients
from across the world with our IT products and services capabilities. Accord has successfully
delivered its wide array of services to diversified industries and sectors.

We believe in delivering quantifiable business outcomes and impact of business and consulting
availed by the clients. We strive to ensure that our client’s business consulting and IT products and
services investments give best return on investment. Our team is always ready to change the picture
of client’s business and profitability by cutting-edge IT applications, systems, products and consulting
services. Accord’s team works towards adding and creating value to client’s business. 

Accord is known for its business and technology consulting services and standard as well customized
applications and solutions for manufacturing companies. We have business interests across verticals
for various IT interventions, beginning from design, development and implementation of IT solutions.
Accord Innovations stands for design, development and implementation of cost efficient and value
effective IT products and services. Choose Accord Innovations as strategic partner in your business
transformation processes. Build an intelligent enterprise with Accord as IT service provider. Think
next, think IT, think Accord.

Accord Innovations Indonesia

&gt; 1-3 Years Experience 
&gt; Banking Experience 
&gt;Developing banking services using microservice approach 
&gt; Conducting code review against developers working on the same module 
&gt; Developing unit tests 
&gt; Committing source code to bank's repository 
&gt; Responding to troubleshooting requests 
&gt; Fixing bug incurring in the system 
&gt; Attending sprint ceremonials

Java Developer

&gt;Developing banking services using microservice approach &amp; Elastic Search 
&gt; Conducting code review against developers working on the same module 
&gt; Developing unit tests 
&gt; Committing source code to bank's repository 
&gt; Responding to troubleshooting requests 
&gt; Fixing bug incurring in the system 
&gt; Attending sprint ceremonials

Backend Developer

BMI didirikan atas gagasan dari Majelis Ulama Indonesia (MUI), Ikatan Cendekiawan Muslim Indonesia (ICMI) dan pengusaha muslim yang kemudian mendapat dukungan dari Pemerintah Republik Indonesia, sehingga pada 1 Mei 1992 atau 27 Syawal 1412 H, Bank Muamalat Indonesia secara resmi beroperasi sebagai bank yang menjalankan usahanya berdasarkan prinsip syariah pertama di Indonesia. Dua tahun setelahnya, tepatnya pada pada 27 Oktober 1994, BMI memperoleh izin sebagai Bank Devisa setelah setahun sebelumnya terdaftar sebagai perusahaan publik yang tidak listing di Bursa Efek Indonesia (BEI).
 

Selanjutnya, pada 2003, BMI dengan percaya diri melakukan Penawaran Umum Terbatas (PUT) dengan Hak Memesan Efek Terlebih Dahulu (HMETD) sebanyak 5 (lima) kali dan menjadi lembaga perbankan pertama di Indonesia yang mengeluarkan Sukuk Subordinasi Mudharabah. Aksi korporasi tersebut membawa penegasan bagi posisi Bank Muamalat Indonesia di peta industri perbankan Indonesia.

 

Tak sampai di situ, BMI terus berinovasi dengan mengeluarkan produk-produk keuangan syariah seperti Asuransi Syariah (Asuransi Takaful), Dana Pensiun Lembaga Keuangan Muamalat (DPLK Muamalat) dan multifinance syariah (Al-Ijarah Indonesia Finance) yang seluruhnya menjadi terobosan baru di Indonesia. Selain itu, produk Bank yaitu Shar-e yang diluncurkan pada 2004 juga merupakan tabungan instan pertama di Indonesia. Produk Shar-e Gold Debit Visa yang diluncurkan pada 2011 tersebut memperoleh penghargaan dari Museum Rekor Indonesia (MURI) sebagai Kartu Debit Syariah dengan teknologi chip pertama di Indonesia serta layanan e-channel seperti internet banking, mobile banking, ATM, dan cash management. Seluruh produk-produk itu menjadi pionir produk syariah di Indonesia dan menjadi tonggak sejarah penting di industri perbankan syariah. 

 

Seiring kapasitas Bank yang semakin besar dan diakui, BMI kian melebarkan sayap dengan terus menambah jaringan kantor cabangnya tidak hanya di seluruh Indonesia, akan tetapi juga di luar negeri. Pada 2009, Bank mendapatkan izin untuk membuka kantor cabang di Kuala Lumpur, Malaysia dan menjadi bank pertama di Indonesia serta satu-satunya yang mewujudkan ekspansi bisnis di Malaysia. Hingga saat ini, Bank telah memiliki 249 kantor layanan termasuk 1 (satu) kantor cabang di Malaysia. Operasional Bank juga didukung oleh jaringan layanan yang luas berupa 619 unit ATM Muamalat, 120.000 jaringan ATM Bersama dan ATM Prima serta 55 unit Mobil Kas Keliling.

 

BMI melakukan rebranding pada logo Bank untuk semakin meningkatkan awareness terhadap image sebagai Bank Syariah Islami, Modern dan Profesional. Bank pun terus merealisasikan berbagai pencapaian serta prestasi yang diakui, baik secara nasional maupun internasional. Kini, dalam memberikan layanan terbaiknya, BMI beroperasi bersama beberapa entitas anaknya yaitu Al-Ijarah Indonesia Finance (ALIF) yang memberikan layanan pembiayaan syariah, DPLK Muamalat yang memberikan layanan dana pensiun melalui Dana Pensiun Lembaga Keuangan, dan Baitulmaal Muamalat yang memberikan layanan untuk menyalurkan dana Zakat, Infak dan Sedekah (ZIS). 

 

BMI tidak pernah berhenti untuk berkembang dan terus bermetamorfosa untuk menjadi entitas yang semakin baik dan meraih pertumbuhan jangka panjang. Dengan strategi bisnis yang terarah, Bank Muamalat Indonesia akan terus melaju mewujudkan visi menjadi “The Best Islamic Bank and Top 10 Bank in Indonesia with Strong Regional Presence”.



Bank Muamalat

<ul>
	<li>Melakukan pemasaran produk Funding (pembukaan giro, tabungan, deposito), Bancassurance, dan Hajj Product), mobile banking dan cash management kepada nasabah existing dan/atau calon nasabah potensial untuk meningkatkan target pencapaian jumlah nasabah, nominal penempatan dan fee based income.</li>
	<li>Memberikan masukan tentang pengembangan atau perbaikan produk baru/existing.</li>
</ul>

Relationship Manager Hajj & Funding

KB Bukopin as a trusted public company has strengthened its existence as a banking institution that delivers competitive advantage in the field of Micro, Small, Medium and Cooperative (MSMC) Business, supported by its commercial and consumer segment. The implementation of operational programs has further enhanced Bank Bukopin's public service by delivering "the bank for all payment" icon. The improvement of service quality and other innovative product development of the Bank has further built a strong relationship with the customers and its business partners across the country.
All of these intensive measures have brought KB Bukopin to a new era and geared up for sustainable growth, with one aim of delivering the best value for all the stakeholders.
As of March 31, 2021, KB Bukopin's shares were 67% owned by KB Kookmin Bank, PT Bosowa Corporindo 10.03%, the Republic of Indonesia 3.18% and the public reached 19.78%.
On February 23, 2021, after obtaining approval from the OJK on February 8, 2021, the Company, announced a change in the name and new logo of PT. Bank Bukopin, Tbk. to become PT. Bank KB Bukopin, Tbk. As Known KB Bukopin with a new tag line "Together, we are the financial stars."


PT Bank KB Bukopin Tbk

Responsibilities :

<ul>
	<li>Able to sell Banking Product to Prospect new Customers</li>
	<li>Focusing to Achieve funding targets, both nominal &amp; new CIF</li>
	<li>Carrying out marketing and sales of fund products ande services according to set targets </li>
</ul>

Corporate Funding Staff

CODE.ID was previously a business unit of INTEGRASI, a system integrator that also provided software services established in 1999. In 2014, CODE.ID becomes an independently run company which currently has around 100 passionate developers with a myriad numbers of skill sets. 

CODE.ID has been established since 1999 and became a publicly listed company in Jakarta Stock Exchange in 2001 - as PT Integrasi Teknologi Tbk. It was back to be a private company in 2007.


Our Success Stories:

We successfully developed, deployed, and supported Information Technology Infrastructure for Komisi Pemilihan Umum (KPU) or the National Election Commission in 2004. We developed the election application and also distributed, installed, and  supported (7x24 hour) two data centers and 8000 VPN connected personal computers in 5,000 locations in the cities, rural areas, and remote areas all over Indonesia.

Code.id

<ul>
	<li>Develop, test, and deploy Temenos T24 modules and customizations based on business requirements.</li>
	<li>Design and implement new features, functionalities, and enhancements to the T24 core banking system.</li>
	<li>Troubleshoot and resolve issues related to the T24 system and applications.</li>
	<li>Collaborate with business analysts and end-users to gather and analyze requirements for T24 applications.</li>
	<li>Translate business requirements into technical specifications and design documents.</li>
</ul>

Temenos Developer

<ul>
	<li>To execute software development tasks (solution design, building unit test, code development) for delivery of new features or enhancement of Digital Banking frontend systems (including internal apps)</li>
	<li>Ensure software designs are in compliance with specifications</li>
	<li>Writing well-designed, and efficient code</li>
	<li>Actively participate in projects and engineering tasks</li>
	<li>nvolved in research and develop new design and technology, overseeing the successful implementation</li>
</ul>

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