Lowongan Kerja Posisi Telesales Representative di PT Mitra Pinasthika Mustika Finance (MPM Finance)

MPM Finance distinguishes itself from competitors by providing financing tailored to customer requirements in a fast and friendly manner. We offer fair and reasonable pricing along with convenience and superior product features and to a broad spectrum of customers – large, medium, and small – including leading corporations, medium and small enterprises, and consumers.

Our cross-sell opportunity comes from having something important to offer each employee of every business, and to the business itself. MPM Finance maximizes customer convenience by delivering tailored financing in a fast and friendly manner throughout the provinces of Indonesia with a network of92 branches that is continuously expanding.

History

PT Mitra Pinasthika Mustika Finance (MPMF) MPMF was incorporated in 1990 as a securities company under PT Elbatama Securindo. It received a finance company license in 1994 and was sold to ANJ in 200, when it became ANJF. MPM acquired ANJF in late 2011 and renamed it to MPMF.

MPMF distinguishes itself by providing financing products tailored to customer requirements in a fast and friendly manner. MPMF offers competitive pricing along superior product features to a broad spectrum of customers, including large corporations, small to medium enterprises, and direct retail consumers.

Loan receivables has grown from IDR 47 billion in 200 to IDR 2,229 billion in 2011, a 42% compounded annual growth rate. This growth has been led by consumer finance, with IDR 1,593 billion of receivables in 2011.

Within consumer finance, MPMF’s main business is used car financing, which leverages on MPMF’s strong relationships with used car dealers and showrooms. New car financing and used car re-financing have become increasingly important growth drivers, as has used motorcycle refinancing.

The financial leasing business provides direct leases on capital goods (e.g., vehicles, machinery, heavy equipment, etc). It has steadily grown over the past five years, with the exception of 2009, when MPMF scaled back operations amid the Global Financial Crisis. In 2011, this business had outstanding receivables of IDR 636 billion and catered predominantly to coal mines and palm oil plantations.

At the end of 2011 MPMF operated through 45 full branches and 40 small outlets throughout the nation. Going forward, MPMF intends to expand its geographic reach even further to capture growth opportunities and has already identified 50 promising new locations that will either become an MPMF branch or outlet in the near future.

MPMF has put in place a robust risk management mechanism in order to keep strong asset quality in its loan portfolio. For example, MPMF established a Quality Assurance Unit which travels to branches to look for credit approval and collection irregularities, and reports directly to the Management Board. MPMF’s NPL ratio (defined as 90 days past due) has hovered between 0.9% and 1.2% in the last four years, which is below the industry average.