Universal BPR is a community bank founded in 2003 by Kaman Siboro and Stephen Satyahadi - two individuals with more than 30 years of experience in banking sector. The bank is engaged in the provision of loan, saving and deposit to individuals and SMEs. For lending segment, the current ticket size is ranging from 100 million to 10 billion rupiah per customer.

Universal BPR group currently operates 10 branches located in 8 cities of Indonesia.

Universal BPR is registered and regulated by OJK (financial services authority) and is a member of LPS (deposit insurance)

<b>MISSION STATEMENT</b>
To become a bank that focuses on improving the quality of life of the community with integrity, respect and continuous improvement.

<b>MOTTO</b>
Fast, Safe, Caring

Bank Universal BPR

<ul>
	<li>Memasarkan produk kredit pada calon debitur</li>
	<li>Menganalisa, memastikan calon debitur sesuai dengan target market dan dapat diproses lebih lanjut.</li>
	<li>Membuat Proposal Kredit.</li>
	<li>Melakukan proses kredit sesuai dengan koridor dan SLA yang ditentukan.</li>
	<li>Mengelola debitur yang ada serta mengembangkan referral dari debitur existing</li>
	<li>Mengevaluasi kondisi kualitas debitur (portofolio kredit, usaha, agunan), termasuk monitoring aging tunggakan.</li>
	<li>Melakukan penagihan (desk collection, dan kunjungan) atas angsuran kredit.</li>
	<li>Membuat dan melakukan Rencana Tindak Lanjut pada debitur bermasalah.</li>
</ul>

Relationship Manager SME Kalimantan Barat Area

Kompas Gramedia, through its more than 50 years of history, is striving for one goal: enlightening and empowering Indonesia. To ensure that we are able to serve the nation for another 50 years, we are undergoing a digital transformation; strengthening and expanding our solid business pillars by developing new digital business initiatives.

Our vision is to enlight all the people in Indonesia with all the knowledge we have.

Kompas Gramedia

<ul>
	<li>Mendorong penjualan dan meningkatkan produktivitas ruang jual melalui active selling dan B2B</li>
	<li>Melakukan kegiatan dan aktivitas penjualan digital</li>
	<li>Memastikan operasional toko berjalan dengan lancar, antara lain mengatur jadwal karyawan, memastikan kesiapan sistem operasional, mengontrol ketersediaan produk dan kerapihan display, melakukan perubahan display dan visual merchandising.</li>
	<li>Memastikan pelayanan dan penanganan keluhan berjalan baik</li>
</ul>

Store Superintendent Gramedia GAIA Pontianak

<ul>
	<li>To achieve funding products sales target (i.e. savings &amp; time deposit)</li>
	<li>Maintain good relationship with customers</li>
	<li>Increase market share and portfolio</li>
	<li>Provide service excellence to customers</li>
	<li>New customer acquisition</li>
</ul>

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Relationship Manager SME Kalimantan Barat Area

Store Superintendent Gramedia GAIA Pontianak

Funding Officer Kalimantan Barat Area