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

<ul>
	<li>Serve as the primary point of contact for all customers enrolled in FLIN's Mediasi Utang Program</li>
	<li>Handle all customer concerns, queries, and complaints with professionalism, empathy, and efficiency</li>
	<li>Proactively reach out to customers at regular intervals to maintain engagement and program adherence</li>
	<li>Calm customers who receive communications from lenders' collection teams — explain their legal rights and provide structured guidance on how to respond</li>
	<li>Clearly communicate the do's and don'ts during the mediation program to prevent customer actions that could jeopardize negotiations</li>
	<li>Maintain thorough, up-to-date records of all customer interactions in the CRM system</li>
	<li>Act as the primary liaison between the Mediasi Utang Sales Team and the internal mediation and negotiation team</li>
	<li>Ensure smooth handover of customer cases from sales onboarding to active mediation management</li>
	<li>Relay mediation and negotiation updates received from lenders to customers in a timely, clear, and reassuring manner</li>
	<li>Flag customer concerns or case escalations to the mediation team and coordinate appropriate responses</li>
	<li>Align settlement structures with customer expectations and FLIN's operational standards</li>
	<li>Educate customers on unsecured lending structures: how interest accrues, penalty mechanics, and how collection cycles work</li>
	<li>Explain lender recovery stages and set realistic expectations on settlement timelines</li>
	<li>Inform customers of their legal rights and protections when dealing with debt collectors (in line with OJK guidelines)</li>
	<li>Advise customers to prioritize essential living expenses during financial distress</li>
	<li>Clarify the impact of delinquency on credit bureau records (SLIK OJK) and future financing eligibility</li>
	<li>Support customers in transitioning toward structured, responsible debt resolution</li>
	<li>Collect all program fees from enrolled customers in accordance with agreed payment schedules</li>
	<li>Monitor each customer's monthly savings plan progress and flag deviations early</li>
	<li>Provide personalized advice to customers on managing their savings plan, prioritizing repayments, and adjusting their financial behavior where necessary</li>
	<li>Escalate non-compliance or savings plan risks to the program manager and propose corrective actions</li>
	<li>Maintain accurate records of fee collections and savings milestones per customer</li>
	<li>Assist in conducting end-to-end negotiations with digital lenders, P2P platforms, multi-finance companies, and banks on behalf of enrolled customers</li>
	<li>Negotiate principal reductions, interest waivers, penalty eliminations, and systematic settlement timelines</li>
	<li>Manage settlements across current accounts, overdue accounts, and charged-off portfolios</li>
	<li>Ensure legally binding and compliant settlement documentation</li>
	<li>Success in lender negotiation will be assessed by: average discount secured, settlement success rate per lender, time-to-settlement, and Dana Talangan eligibility conversion rate.</li>
	<li>Analyze borrower cash flow, liabilities, and repayment capacity</li>
	<li>Determine optimal settlement sequencing in multi-lender situations</li>
	<li>Design phased settlement plans to unlock Dana Talangan's eligibility</li>
	<li>Monitor settlement KPIs: discount rate by lender category, closure cycle times, conversion rates, and customer drop-off rates</li>
	<li>Identify patterns in lender behavior to improve negotiation strategies</li>
	<li>Prepare structured performance and customer progress reports</li>
	<li>Utilize Excel, CRM, and internal dashboards to optimize outcomes</li>
</ul>

Debt Mediation Consultant

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. The program delivers its learning experience through structured curriculum designed specifically for each stream.

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

In OCBC, 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.

Banking Academy for Sales

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

Debt Mediation Consultant

Banking Academy for Sales

Card Operation Officer

Credit Analyst