Lender Negotiation Specialist

Job Description

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 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 & 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 & 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

Minimum Qualifications

Candidate Profile:

3–5 years of experience in collections, recovery, loan settlement, or a direct lender-negotiation role

Established, verifiable personal network with pinjol/P2P platforms, multi-finance companies, and banks in Indonesia — this is a mandatory requirement, not a preference

Demonstrated, measurable track record of closing settlements and securing discounts with lenders

Comfortable with frequent travel to lender offices as well as high-volume phone-based negotiation

Working knowledge of the Indonesian unsecured lending landscape, OJK regulations, and the lender recovery/collections lifecycle

Skills & Competencies

Very strong negotiation skills: able to secure the best possible discount, fast, under real time pressure

Relationship management: builds genuine, trust-based relationships with lender contacts that hold up over repeated negotiations

Strong analytical mindset: comfortable building and reading data on lender-wise discount patterns by DPD stage, and using it to plan settlement sequencing — this is a core requirement for this role, not a nice-to-have

Composure under pressure: manages aggressive or adversarial lender behavior calmly and professionally, while protecting the customer's interests

Time management: plans visit schedules efficiently, batches meetings, and knows when a call is enough — directly addressing the team's current bandwidth constraints

Communication: fluent, persuasive communicator in Bahasa Indonesia; able to clearly explain the FLIN Mediasi Utang Program and Dana Talangan (if needed) to the lender staff

Tools: Excel/Google Sheets, CRM applications, and internal dashboards