Business Operation Analyst

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 2025, 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

You will be working closely with two key teams: the Supply Team and the Operations Team. This role offers the opportunity to gain in-depth exposure to the PPOB and Remittance industry, as well as Indonesia’s agent network. You will be responsible for setting up deposit arrangements with vendors, resolving issues raised by mitra/agents in coordination with vendors and relevant stakeholders, and ensuring that transactions are executed smoothly to uphold our commitment to operational reliability.

Job Descriptions

• Monitor daily product issues, particularly related to Amartha Wallet (Poket), and ensure smooth business operations in line with procedures.
• Prepare and maintain regular reports (daily, weekly, monthly) on operational issues and highlight trends and improvements.
• Handle and follow up on transactional issues such as registration, premium upgrade, top-up, and account management.
• Execute General Cash-in and Cash-out processes for failed or delayed top-up transactions.
• Collaborate with Finance, Product, and Vendor teams to resolve issues and ensure operational continuity.
• Support business growth through operational improvements, product enhancement suggestions, and SOP refinement.
• Creating forecast & request deposit to all vendors 
• Analytical Thinking: Strong data analysis skills to uncover insights and drive informed decision-making.
• Strategic Thinking: Critical thinking and problem-solving skills to identify challenges and opportunities from multiple perspectives.
• Communication & Negotiation: Ability to convey complex ideas simply and persuasively to align stakeholders and achieve consensus.
• Cross-Functional Collaboration: Ability to build relationships and connect the dots across divisions to foster teamwork and mutual understanding.

• Bachelor’s degree in Business, Economics, or related fields.
• 3+ years of experience in business operations (Digital products) or similar business industry.
• Proven track record in analyzing data.
• Proficiency in data analytics tools (e.g., Excel, Spreadsheet)
• Strong adaptability to work in dynamic environments with diverse stakeholders.

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.