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 13 branches located in 11 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>Lead and oversee operational audits related to the opening of savings and deposit accounts, ensuring full compliance with KYC and internal SOPs</li>
	<li>Supervise and verify the transaction call-back process to detect anomalies, mitigate fraud risks, and ensure data integrity</li>
	<li>Review and ensure the conformity of monthly reports with the general ledger and bookkeeping records to guarantee financial accuracy</li>
	<li>Manage the inspection of credit files and conduct on-the-spot assessments of debtors to evaluate collateral validity and creditworthiness</li>
	<li>Prepare comprehensive audit reports for management and monitor the implementation of corrective actions by the audited departments.</li>
</ul>

Internal Audit Supervisor

Finally Found You! is Indonesia’s beauty brand that is inspired by all the good things that mother nature provides.

We aim to explore the benefits of nature, integrates it with advanced technology, and presents it with love to be the best soulmate for your skin.

We exist not only as a brand, but as a soulmate who will guide you to be the best version of yourself.

We believe the spirit of innovation, creativity as well as the concept of minimalism in our inclusive products will bring you the wealth of nature through skincare for everyone.

🌿 BPOM registerd
🌿 Halal Certified
🌿 No Animal Testing


PT Karya Maharendra Innovation

What You will do:

<ul>
	<li class="text-justify">Develop and execute annual brand strategies aligned with business objectives. </li>
	<li class="text-justify">Lead end-to-end 360° integrated campaigns across digital, KOL, PR, community, retail, and e-commerce channels. </li>
	<li class="text-justify">Drive brand growth through strong consumer insights, market analysis, and commercial thinking. </li>
	<li class="text-justify">Drive new product development and launch planning through consumer insights, product validation, and go-to-market execution. </li>
	<li class="text-justify">Lead brand investment and budget management, ensuring all marketing initiatives are strategically prioritized, financially efficient, and contribute to revenue growth, market share expansion, and long-term brand equity. </li>
	<li class="text-justify">Lead cross-functional collaboration across Sales, E-Commerce, Product Development, Creative, KOL, PR, and Finance teams to ensure brand strategies, product innovations, and marketing investments are effectively translated into measurable business results. </li>
	<li class="text-justify">Own the end-to-end delivery of key brand initiatives, ensuring campaigns are executed on time, within budget, and achieve defined revenue, market share, and brand equity objectives. </li>
</ul>

Brand Manager

Key Responsibility:

<ul>
	<li>Analyze company spending across all divisions including Marketing, Sales, Operation.</li>
	<li>Monitor budget utilization and evaluate cost effectiveness.</li>
	<li>Identify inefficient spending and provide recommendations for cost optimization.</li>
	<li>Analyze marketing and sales programs based on performance, profitability, and business impact.</li>
	<li>Evaluate promotional programs, discounts, bundling, cashback, and campaign strategies across e-commerce and offline channels.</li>
	<li>Analyze whether discount and promotional activities generate healthy profitability, sustainable sales growth, or negatively impact margins.</li>
	<li>Monitor margin, profitability, and ROI from campaign and promotional activities.</li>
	<li>Turn financial and operational data into actionable business insights.</li>
	<li>Support management in strategic decision-making through data-driven analysis.</li>
</ul>

Analyzing Data

Financial Analysis

Financial Reporting

Business Analysis

Budgeting

Finance Data Analyst

<ul>
	<li>Memasarkan produk kredit pada calon debitur</li>
	<li>Menganalisa, memastikan calon debitur sesuai dengan target market dan dapat diproses lebih lanjut.</li>
	<li>Membuat Proposal Kredit.</li>
	<li>Melakukan proses kredit sesuai dengan koridor dan SLA yang ditentukan.</li>
	<li>Mengelola debitur yang ada serta mengembangkan referral dari debitur existing</li>
	<li>Mengevaluasi kondisi kualitas debitur (portofolio kredit, usaha, agunan), termasuk monitoring aging tunggakan.</li>
	<li>Melakukan penagihan (desk collection, dan kunjungan) atas angsuran kredit.</li>
	<li>Membuat dan melakukan Rencana Tindak Lanjut pada debitur bermasalah.</li>
</ul>

Relationship Manager SME Jabodetabek Area

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>Memasarkan produk serta memperluas pasar atau jaringan BCA Finance</li>
	<li>Menjalin relasi dan hubungan baik dengan rekanan yang berkaitan dengan BCA Finance</li>
	<li>Melakukan survey dan analisa data kelayakan konsumen</li>
	<li>Membantu memenuhi target penjualan dari BCA Finance</li>
</ul>

 

"BCA Finance tunduk pada ketentuan UU Nomor 27 Tahun 2022 tentang Perlindungan Data Pribadi berikut aturan turunan serta perubahan-perubahannya dari waktu ke waktu. Saya menyetujui data-data saya digunakan, diverifikasi, dikelola dan ditatausahakan untuk tujuan perekrutan di PT BCA Finance."

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