FLIN is a financial technology and advisory firm specializing in distressed consumer credit and subprime segments across Asia-Pacific.

FLIN delivers structured solutions to salaried employees (B2C) focused on: Debt Restructuring, Loan Consolidation, Refinancing Programs and Mediation and Negotiation Advisory

We are a profitable company with a group AUM of USD 400Mn+ as on FYE Mar 2026, backed by strategic investors from the US and India who manage diversified multi-million-dollar portfolios across finance, tech, and energy.

Our mission is to simplify financial health for everyday consumers (salaried employees) through innovation, empathy, and execution.

PT Flin Consultancy Indonesia

<ul>
	<li>Own a defined monthly mediation enrollment/debt consolidation disbursement quota</li>
	<li>Convert inbound and assigned leads into restructuring program enrollments</li>
	<li>Conduct structured financial assessment calls</li>
	<li>Present clear, compelling restructuring solutions</li>
	<li>Overcome affordability and trust objections decisively</li>
	<li>Maintain aggressive follow-up discipline to prevent lead leakage</li>
	<li>Close enrollments within defined cycle times</li>
	<li>Assess borrower exposure across multiple lenders</li>
	<li>Evaluate repayment capacity and urgency level</li>
	<li>Position restructuring and refinancing as a structured solution — not optional advice</li>
	<li>Ensure program affordability while protecting portfolio performance</li>
	<li>Maintain quality standards to prevent early drop-offs</li>
	<li>Maintain daily activity targets (calls, follow-ups, conversations)</li>
	<li>Track funnel stages: Contacted → Qualified → Offered → Enrolled/ IPA</li>
	<li>Identify stalled qualified leads and reactivate with urgency</li>
	<li>Minimize lead aging</li>
	<li>Utilize CRM/LMS for pipeline management and perform proactive follow-ups to accelerate closing.</li>
	<li>Ensure 100% CRM accuracy</li>
	<li>Coordinate closely with credit underwriting, product, marketing, and the growth team</li>
	<li>Ensure sales promises align with approval criteria</li>
	<li>Reduce rework and customer onboarding friction</li>
	<li>Support the quick resolution of onboarding and origination issues</li>
</ul>

Digital Sales

Binajasa Sumber Sarana (BSS), established in 1986, specializes in Executive Search & Contract Personnel. With over 38 years of experience and a continually updated database, we provide efficient and professional recruitment solutions for our clients.

PT Binajasa Sumber Sarana (BSS Recruitment)

- Mendukung operasional administrasi harian. 
- Mengelola proses underwriting pinjaman dan administrasi loan. 
- Melakukan data entry, dokumentasi, serta memastikan akurasi data. 
- Berkoordinasi dengan berbagai stakeholder untuk proses approval dan tindak lanjut. 
- Menyusun laporan operasional serta melakukan monitoring data dan sistem.

Admin Kredit

1. Direct Lender Negotiation

Conduct end-to-end negotiations with digital lenders, P2P/pinjol platforms, multi-finance companies, and banks on behalf of enrolled customers — in person at the lender's office or by phone/call

Default to call-based negotiation wherever possible to maximize the number of cases handled per day; reserve in-person visits for cases that genuinely require a face-to-face meeting (e.g., first-time engagement with a new lender, high-value settlements, or escalations)

When visits are necessary, batch multiple lender meetings within the same area/trip to minimize time lost to travel

Negotiate principal reductions, interest waivers, penalty eliminations, and realistic settlement timelines

Close settlements as quickly as possible without sacrificing discount quality — speed and discount size are both measured

Engage lender collection/recovery teams that are pressuring customers directly: explain the FLIN Mediasi Utang Program, request a pause or moderation of collection activity, and redirect further communication through FLIN

 
 

2. Lender Relationships &amp; Network

Build, maintain, and continuously expand personal relationships with collections/recovery contacts at banks, multi-finance companies, and pinjol/P2P platforms across Indonesia

Maintain an internal lender contact directory so relationships are documented and not solely held by one individual

Act as FLIN's primary external representative in dealings with lenders' collection and legal teams

3. Records, Reporting &amp; Compliance

Maintain accurate, up-to-date records of every negotiation — lender, customer, DPD stage at time of negotiation, offer, counter-offer, and final outcome — in the CRM and Internal Trackers

Prepare and submit a weekly negotiation report to the Risk Manager / Head of Mediation &amp; Negotiation, covering deals closed, discounts secured, in-progress cases, and blockers

Ensure every settlement is documented in a legally binding, OJK-compliant agreement before it is closed

4. Analytical &amp; Strategic Negotiation Planning

Track and analyze, by lender, the discount levels typically offered at each DPD (Days Past Due) stage — building a living playbook of “who gives what, when”

Track each customer's savings plan progress against their multi-lender debt position

Use this data to determine the optimal settlement sequence in multi-lender cases — i.e., which lender to approach first, second, and so on to make the most of available savings

Design phased settlement plans that sequence pay-offs specifically to unlock the customer's Dana Talangan eligibility as early as possible

Identify patterns in lender behavior (e.g., month-end or quarter-end flexibility, portfolio sale timing) and adjust negotiation timing and strategy accordingly

Maintain simple dashboards/trackers (Excel or CRM-based) so this data is visible to and reusable by the wider Mediation &amp; Negotiation and Sales teams

5. Cross-Team Collaboration

Work closely with Debt Mediation Consultants to align negotiated settlement terms with each customer's actual savings capacity and expectations

Coordinate with the Risk Manager / Head of Mediation &amp; Negotiation on escalations, disputed cases, and complex multi-lender situations

Share lender-behavior insights with Sales and Product teams to improve Dana Talangan conversion forecasting

Lender Negotiation Specialist

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

Position Overview

We are hiring Card Operations Officer to support credit and debit card operations. This role encompasses key functions including processing new card applications, operational services, financial processing, chargebacks, and debit card services. Training will begin with a focus on New Card Applications, then gradually expand to areas such as unsecured loans, limit increases, balance transfers, etc.

Key Responsibilities

<ul>
	<li>Process New Card Applications accurately and in accordance with SOPs.</li>
	<li>Support operational card services including limit change requests, balance transfers, etc.</li>
	<li>Process financial transactions related to cards (e.g., billing, payments, refunds).</li>
	<li>Handle chargeback cases and card settlements per company procedures.</li>
	<li>Coordinate with other teams (e.g., risk, finance, customer service) to resolve operational issues.</li>
	<li>Learn and master SME-level domain knowledge in unsecured credit, chargebacks, and card settlement after stabilizing in initial tasks.</li>
	<li>Report operational findings or anomalies to supervisors for further action.</li>
</ul>

Card Operation Officer

Responsibilities:

<ul>
	<li>Analyze credit bureau reports, bank statements, and KYC documents to evaluate applicants' creditworthiness, financial health, and compliance with regulatory standards.</li>
	<li>Conduct detailed financial analyses and risk assessments to assess loan applications and ensure informed credit decisions align with the company's risk appetite</li>
	<li>Develop, implement, and monitor risk management strategies by identifying potential risks, recommending mitigation measures, tracking key indicators, and ensuring compliance with credit policies and regulatory guidelines.</li>
	<li>Effectively communicate credit decisions, collaborate with internal teams to gather insights, and provide recommendations to enhance the credit assessment process and tools.</li>
	<li>Maintain detailed records of credit assessments, prepare reports on activities and portfolio performance, and support management with reports and presentations.</li>
	<li>Stay updated on industry trends, regulatory changes, and best practices in credit risk management.</li>
	<li>Contribute to the development and enhancement of credit assessment models and tools.</li>
</ul>

Kalibrr Job Search

Digital Sales

Admin Kredit

Lender Negotiation Specialist

Card Operation Officer

Credit Analyst