# Lead of Governance and Business

> Amartha · South Jakarta, Indonesia · Full-time · Posted 2026-05-04

**Workplace:** on_site

**Department:** HO - Lending

## Description

**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 2026, 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 Lead of Governance & Business will ensuring that all lending operations are executed consistently, efficiently, and in alignment with company strategy.This role bridges Risk, Product, Operations, and Network (field teams) by translating high-level policies into clear, actionable SOPs and business rules, while ensuring strong execution discipline across all regions.

**Job Description :**

1\. **Governance & SOP Ownership**

-   Define, develop, and continuously improve Business Rules and Standard Operating Procedures (SOPs) across the lending lifecycle (onboarding → disbursement → repayment-> collection)
-   Ensure SOPs are practical, scalable, and aligned with risk guardrails
-   Act as the single owner of business process standardization across regions

2\. **Execution Control & Operational Discipline**

-   Ensure consistent execution of lending processes across branch/field teams
-   Monitor adherence to SOPs, identify gaps, and drive corrective actions
-   Establish controls for ticket response SLA, incident handling, and process compliance

**3\. Change Management & Adoption** 

-   Adoption Tracking & Enforcement after new policy and SOP roll-out
-   Link adoption to the performance tracking (loss impact reduces or growth increase)
-   Build and maintain real-time monitoring tools / dashboards for operational visibility

4. **Data Quality & Business Integrity**

-   Define and enforce data quality standards (e.g., onboarding data accuracy >95%)
-   Collaborate with Product and Tech to improve data validation and system controls
-   Ensure data integrity to support risk, compliance, and decision-making

**5\. Stakeholder Management & Alignment**

-   Partner closely with Risk, Product, Operations, and Network Excellence teams
-   Translate risk policies into executable business processes
-   Act as a key escalation point for field teams and ensure resolution with internal teams

**6\. Process Improvement & Transformation**

-   Identify opportunities to streamline operations, reduce inefficiencies, and scale processes
-   Drive automation initiatives and adoption of tools to improve performance
-   Lead continuous improvement programs across lending operations

**7\. Build Area/Branch heatmap to map-out all operational risks and condition across branches**

## Requirements

-   Bachelor’s degree in Business, Finance, Engineering, or related field
-   6+ years of experience in lending, operations, governance, or risk (fintech/banking preferred)
-   Proven experience in SOP development, process governance, or operational control
-   Strong analytical capability (Excel, SQL is a plus)
-   Experience with dashboard/reporting tools (Tableau, Looker, etc.)
-   Familiarity with incident tracking / workflow tools
-   Strong governance & control mindset
-   Ability to translate strategy → execution (policy → SOP → field)
-   Excellent problem-solving and root cause analysis
-   Strong understanding of lending lifecycle and risk processes

_At Amartha, we are dedicated to creating a workplace that celebrates diversity, ensures equity, and fosters inclusion. We believe that diverse perspectives—shaped by factors such as gender, age, race, ethnicity, education, culture, and life experiences—drive innovation and growth._

_We actively welcome individuals from all backgrounds to join us in building an environment where everyone feels respected, valued, and empowered. Our commitment is to provide equal opportunities and foster a sense of belonging that enables our employees to thrive and make meaningful contributions._

## Apply

[Apply at Amartha](https://apply.workable.com/amartha/j/C8012B24B8/apply)

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