Merchant Lending Solutions Associate

Company Description

Life at Grab

At Grab, every Grabber is guided by The Grab Way, which spells out our mission, how we believe we can achieve it, and our operating principles - the 4Hs: Heart, Hunger, Honour and Humility. These principles guide and help us make decisions as we work to create economic empowerment for the people of Southeast Asia.

Job Description

Get to know our Team:

• We're part of Grab's Financial Services in Indonesia, building responsible, accessible credit solutions that help merchants grow within the Grab ecosystem.
• We work with Merchant/Commercial, Credit Risk, Product, Ops, and Marketing team to deliver end-to-end lending journeys.
• Our mission is simple: unlock merchant growth through data-informed lending while safeguarding portfolio quality and regulatory compliance.
  
  

Get To Know The Role

• You will deliver high acquisition targets, while also contributing to go-to-market feedback, product iteration, and overall merchant strategy.
• You will be both an acquirer (acquiring and growing merchant lending relationships) and an advisor (diagnosing needs and structuring the right lending solutions).
• You will own the full funnel: prospecting, needs assessment, solutioning, application packaging, onboarding, disbursement coordination, portfolio monitoring, renewals, and cross-sell.
• You will be the merchant's voice to our cross-functional teams providing insights that shape product features, risk policies, GTM campaigns, and process improvements.
• You will be based in Surabaya, reporting to a Jakarta-based Lead. Frequent in-field merchant visits and intra-/inter-city travel.
  
  

The Critical Task You Will Perform

• Commercial outcomes and pipeline
• Manage a robust pipeline across priority MSME segments and verticals.
• Deliver on disbursement, revenue/yield, and portfolio quality (e.g., DPD/NPL) targets.
• Maintain accurate forecasting and activity hygiene in CRM.
• Provide structured feedback to Product, Risk, and Ops to improve UX, policies, and processes.
• Acquisition and consultative advisory
• Run structured discovery to understand business models, seasonality, and cash cycles.
• Translate needs into appropriate products and structures (e.g., working capital, term, revolving, merchant cash advance), within policy and pricing guardrails.
• Handle objections, negotiate within delegation, and educate merchants on terms, pricing, repayment mechanics, and responsible borrowing.
• Guide merchants through onboarding (e.g. KYC/KYB, documentation, e-signing) and disbursement steps.
• Collaborate with Credit/Risk to provide context and data that support sound underwriting decisions.
  
  

• Partnerships and GTM enablement
• Work with Marketing/CRM and Merchant/Commercial teams on targeted campaigns, events, and merchant education to stimulate qualified demand.
  

Qualifications

What Essential Skill you will Need:

• 2+ years of experience in SME/MSME lending acquisition in P2P lending and digital financial institutions
• Experience achieving and exceeding high acquisition targets
• Comfortable with field engagements and merchant education across MSME scale up to larger brands with ability to adapt messaging accordingly
• Strong consultative selling, objection handling, and basic credit assessment (financial/bank statement and cashflow reading)
• Strong cross-functional influence: collaborative with Risk, Ops, and Product; able to balance merchant needs with risk and business objectives.
• Self-starter with a strong sense of ownership and ability to work under minimal supervision
• High integrity with strict adherence to regulatory and conduct standards.
• Proficiency in MS Office, with familiarity in CRM software such as Salesforce considered a plus
• Willingness to travel as you will be in charge of multiple regions.
  
  

Additional Information

Life at Grab

We care about your well-being at Grab, here are some of the global benefits we offer:

• We have your back with Term Life Insurance and comprehensive Medical Insurance.
• With GrabFlex, create a benefits package that suits your needs and aspirations.
• Celebrate moments that matter in life with loved ones through Parental and Birthday leave, and give back to your communities through Love-all-Serve-all (LASA) volunteering leave
• We have a confidential Grabber Assistance Programme to guide and uplift you and your loved ones through life's challenges.
• Balancing personal commitments and life's demands are made easier with our FlexWork arrangements such as differentiated hours
  
  

What We Stand For At Grab

We are committed to building an inclusive and equitable workplace that provides equal opportunity for Grabbers to grow and perform at their best. We consider all candidates fairly and equally regardless of nationality, ethnicity, race, religion, age, gender, family commitments, physical and mental impairments or disabilities, and other attributes that make them unique.