Lender Negotiation Specialist Job Jakarta area,Jakarta Pusat Indonesia,Finance & Banking

Location: Jakarta Pusat

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
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

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 & 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 & 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 & 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 & 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…