Accounting Analyst — Amartha is a technology company developing digital financial solutions for the grassroots economy, established in 2010 as a microfinance institution connecting rural, women-led micro-enterprises with affordable capital. The company is expanding as a tech company, building a microfinance ecosystem linked to the digital economy through capital, investment, and payment services, aiming to boost competitiveness of micro and small entrepreneurs, support women-led MSMEs, create jobs, and promote inclusive economic growth. About the role: The Accounting Analyst will manage financial records, carry out account reconciliations, and maintain accurate supporting documentation. Duties include supporting month-end and year-end closing activities, ensuring compliance with accounting standards and company policies, preparing financial reports, and collaborating with internal stakeholders to uphold the accuracy and integrity of financial data while continuously improving accounting processes. Responsibilities: 1. Monthly Closing & Financial Reporting — Perform monthly closing activities for lending business entities. Prepare journal entries, accruals, amortization, reclass, and adjustment entries. Prepare monthly balance sheet schedules and P&L analysis. Ensure timely and accurate submission of monthly financial statements. 2. Loan & Revenue Accounting — Handle accounting treatment for loan disbursement, repayment, outstanding principal, interest income, admin fee, platform fee, and other lending-related revenue. Reconcile loan system data against GL, bank statement, and operational reports. Review revenue recognition accuracy, including accrued revenue, cash repayment, and fee amortization where applicable. 3. Reconciliation & Control — Perform daily/monthly reconciliation for bank accounts, escrow accounts, borrower/lender balances, AR/AP, settlement accounts, and suspense accounts. Investigate unreconciled items and coordinate with product, data, operation, treasury, and business teams. Maintain clean aging and proper documentation for all reconciling items. 4. ECL, Provision & Write-Off Support — Support ECL calculation, loan impairment booking, write-off, recovery, and related accounting entries. Collaborate closely with risk/data team to validate loan portfolio movement and DPD information. Prepare supporting schedules for auditors and management review. 5. Audit & Compliance Support — Prepare audit schedules, supporting documents, and explanations for external auditors. Support OJK/regulatory reporting requirements where relevant. Ensure accounting treatment aligns with PSAK/IFRS and company policy. 6. Process Improvement — Improve closing checklist, reconciliation templates, and accounting SOP. Identify accounting gaps in lending product flow and propose control improvements. Support system enhancement or automation for accounting and reconciliation process. Requirements: Minimum 2 years experience in accounting/audit/finance. Experience in financial services, preferably P2P lending, multifinance, bank, leasing, or fintech. Strong understanding of PSAK/IFRS, especially financial instruments, revenue recognition, accruals, and impairment/ECL. Strong reconciliation skill: bank, GL, loan system, escrow, AR/AP, settlement. Strong Excel/Google Sheets skill: pivot, lookup, sumifs, data validation, aging, reconciliation. Comfortable working with high-volume transaction data. Able to prepare audit schedules and explain accounting treatment to auditors. Detail-oriented, structured, and able to meet tight monthly closing deadlines. Nice to Have: Big 4 / mid-tier audit background. Experience with SAP or other ERP. Familiar with SQL / Looker / basic data extraction. Understanding of OJK lending/multifinance reporting. Experience with intercompany transactions and consolidation support. Amartha is dedicated to building a workplace that celebrates diversity, ensures equity, and fosters inclusion. The company believes diverse perspectives—shaped by factors such as gender, age, race, ethnicity, education, culture, and life experiences—drive innovation and growth. Individuals from all backgrounds are welcomed to contribute to an environment where everyone feels respected, valued, and empowered. Equal opportunities and a sense of belonging are provided so employees can thrive and make meaningful contributions.

Accounting Analyst

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