Progress of Business Development Report PT CLIK

Progress of Business Development of LPIP
2022 was a challenging yet rewarding year. During the year CLIK was able to enjoy a very significant growth of his business.


Month on month enquiry grew from ~more  that 400% from January to December.


While from a revenue perspective CLIK’s month on month revenue generation run rate grew from 300% from January to December. June 2022 especially was the month in which the Company was finally able to generate free cash flow. Hence as of June 2022 CLIK has been able to generate free cash flow, no longer depleting its equity.


The substantial growth was achieved thanks to the organic growth of both, the number of active members using CLIK services, and the progressive incremental use of our existing client based.

Management Report
The good business “traction” of the company remains tightly linked to the service excellence achieved by CLIK in the previous years and the competences progressively developed at every level of the organization. CLIK’s consultative approach to its clients, not only acting as data company but a as knowledge company in the field of process automation for consumptive and productive lending.


The company has further continued to invest in growing it service and product offering but has also initiated, in the last part of the year, a substantial review of it organizational structure involving:

  1. The organization and separation of duties with in CLIK
  2. The amount of financial resources needed to ensure that each function can run effectively
  3. The systems of controls to ensure Governance process run effectively.


Strengthening the organization and governance of the company is seen as strategic imperative to be able to support the “scale-up-phase” of the company which started in 2022 and that managements expects to see accelerating in 2023 and especially 2024.

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Head of Legal and Compliance

Job role

  • Head of Legal and Compliance coordinates the creation, review and implementation of policies and procedures that regulate the company, apply, and interpret Legal and Compliance requirements for various departments, implements and administrates an effective Corporate Compliance Management Program. This role will interact with external auditors such as OJK, on matters related to audits of the organization’s internal controls and assess potential client’s activity.  Also communicate risk policies and processes for an organization. They provide hands-on development of risk models involving market, credit, and operational risk, assure controls are operating effectively, and provide research and analytical support.


Main responsibilities

  • Oversee Legal department (Providing legal advice to the management team), HR department and handle Compliance function.
  • Oversee and execute compliance initiatives: company policy, employment contract, vendor and clients are in line with the law.
  • Establish and maintain Relationship with Financial Services Authority (OJK).
  • Conducting policy and compliance audits, which will include liaising with internal and external auditors (e.g., OJK).
  • Support risk assessment initiatives.
  • Coordinate with multiple departments to fulfil information requests from regulators.
  • Drive key projects related to new licensing or compliance
  • Draft and review various legal documents, and/or negotiate on contracts with external partners/vendor.
  • Keep up with the relevant legal developments and pro-actively make suggestion/recommendations and follow-up on its implementation
  • Participate actively in related associations supporting the organisation’s business (AFPI).
  • Maintaining records of agreements clients.
  • Building risk awareness amongst staff by providing support and training within the company

Position Qualifications

  • 5 to 10 years of relevant working experience.
  • Proven work experiences as a Head of Legal, Compliance is a must.
  • Understanding of Labour Regulation.
  • Experiences in Financial Services Industry is a plus.
  • bachelor’s degree in legal, Management, IT, Business, or any other relevant field.
  • Knowing business mind set a solution-oriented approach.
  • In-depth knowledge of compliance and risk management.
  • Excellent communication skills.
  • Ability to manage and prioritise work.
  • English Proficiency is a must
  • Strong analytical and organization skills.

email to:

Please mention on Subject E-mail : Source Vacancy – Position Applied

Example : Website – Head of Legal and Compliance

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Leonardo Lapalorcia December 15, 2022 0 Comments

Oracle Database Administrator

Job Role:
Specifically, the Database Administrator will be in charge of installing and maintaining Oracle Real Application Cluster database architecture and services by identifying system requirements, installing upgrades; monitoring and analysis database performance, troubleshooting system configuration in accordance with the productions’ needs and corporate guidelines established. Furthermore, the Database Administrator must be able to deploy and maintains the Database infrastructures according to both security’s rules and strategic choices, and respecting corporate policies and processes as well.

Position Qualification:
• 4-6 years of professional experience configuring and administering Oracle database.

It requested to provide the following technical expertise and skills:

  • Solid knowledge/hands on experience developing/installing/maintaining Oracle database
    (Application change request, Index Maintenance, Statistics Maintenance, etc.)
  • Take charge of production system issues and change requests
  • Understanding Database Design and architecture on Oracle Real Application Cluster
  • Backing up and Restoring databases (Model, Backup Types, Planning recovery strategy, etc.
    Solid expertise on Oracle RMAN.
  • Ensure recoverability and adequate database disaster recovery – Recovery Point Objectives
    (RPO) and Recovery Time Objectives (RTO) with Oracle Data Guard
  • Basic competencies on administering Linux Red Hat
  • Implementing and maintaining Security on Oracle Database with experience on Transparent
    Data Encryption and Oracle Vault
  • Solid expertise on PL/SQL and bash scripting.

The following are not mandatory but will be considered preferential title:

  • Good experience in Mission Critical solutions and environments;
  • Proactive attitude and good problem-solving skills
  • Teamworking and ability to interact with foreign colleagues and vendors at different levels
  • Flexibility and Stress resiliency
  • Fluent knowledge of English language and ability to write technical documentation in English
    will complete the profile;

email to:

Please mention on Subject E-mail : Source Vacancy – Position Applied

Example : Website – Oracle Database Administrator

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Leonardo Lapalorcia December 15, 2022 0 Comments

PT CLIK Participates in the World Financial Innovation Series 2022 Event in Indonesia

PT CRIF Lembaga Informasi Keuangan – took part in the World Financial Innovation Series Event organized by Tradepass at Hotel Mulia Senayan Jakarta, Indonesia on 4 – 5 October 2022.

This time, Indonesia is the host of the 11th edition of the World Financial Innovation Series.

The 11th edition of the WFI Series was attended by more than 500 practitioners from Financial Institutions and Technology Innovation, also many leading stakeholders joined in the financial services industry, including Banks, Insurance, Multifinance, Fintech and microfinance who also enlivened the event at the Hotel Mulia.

In the two-days event, PT CLIK opened a booth with a mission to increase Awareness of the importance of Credit Scoring as Risk Mitigation both based on Consumer and for Business Optimization. This is a form of CLIK’s responsibility in accelerating the best Credit Bureau Technology owned by PT CLIK as CLIK is an affiliate of CRIF Spa who has experience as a Credit Bureau in various countries as well as a provider of Technology for the Financial Industry.

In this event PT CLIK conveyed about Credit Scoring and the Methods and Technology in it which it offers as “Fundamental” Terms for companies in the decision-making process of a company.

In addition, the speed and accuracy of data are considered as fundamental things that must be owned by Decision Makers in every company, so that they could come up with policies that are spot on the target.

With the World Financial Innovation Series (WFIS) event, it is hoped that it will bring the latest developments, especially the Financial and Technology Industry to the future and could encourage collaboration and a supportive business climate.

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Leonardo Lapalorcia December 15, 2022 0 Comments

Business Matching : Collaboration for Acceleration in Digitalize Financial Institution in SMEA Segment between IMFEA – PT CLIK

Large number of SMES with rapid cycle of transaction and various amount of Outstanding which reach 25 – 30 Mio, nowadays has not fully facilitated with Commercial Banks. Although most of SMES player are un-Bankable, huge numbers of SMES have huge potential to boost Economic Growth. The existence of Microfinance Institution could give accessibility for un-Bankable player or SMES for funding facilities.

PT CRIF Lembaga Informasi Keuangan is honored to be one of the speakers in the event of Business Matching : Association of Micro Finance Institution in Indonesia which held by Indonesia Microfinance Expert Association (IMFEA) in Hotel Khas Semarang on Tuesday 9 August 2022.

Mr. BERNARD LAYUK on behalf of PT CRIF Lembaga Informasi Keuangan was the speaker in Panel Discussion with Credit Scoring topic, which aligned with CLIK’s services that offers Technology Innovation in Credit Bureau.

In his opportunity Mr. Bernard said that “Our (CLIK) experiences and aspirations in Technology could give contribution for the Transformation of Micro Finance Institution to be Technology-Based Digital Ecosystem.” He added “The Digital Ecosystem are much more effective and efficient in terms of access, features, security, accuracy of information and minimizing costs.”

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Leonardo Lapalorcia September 9, 2022 0 Comments

Mutual Agreement PT CRIF Lembaga Informasi Keuangan – Cek Aja

We’re happy to collaborate with CEK AJA, our uutual vision is to bring awareness for Indonesian People of how’s the importance of Financial wellness for Indonesian People.

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Leonardo Lapalorcia September 9, 2022 0 Comments

Ceremonial Signing Collaboration Agreement PT CLIK – ALUDI

On March 9th 2022, CRIF Lembaga Informasi Keuangan (CLIK) and the Association of Security Crowdfunding Companies in Indonesia (ALUDI) signed a collaboration agreement to promote the adoption of credit bureau services by Security Crowdfunding Companies. The collaboration agreement plays an important milestone for all stakeholder involved as it will promote the systematic adoption of best-in-class credit bureau services in this new and growing sector.

Crowdfunding companies, play an important role in bridging demand and supply of financing for productive purpose. Crowdfunding companies offer consumers an alternative form of investment and offer MSMEs an alternative form of funding. James Wiryadi, Deputy Chairman of ALUDI added that the Association has the aim of enriching the ecosystems of services needed by Crowdfunding Companies in order to ensure a strong and sustainable growth of the segment.

Leonardo Lapalorcia, CEO of CLIK, added that, with this collaboration ALUDI makes significant steps forward in protecting consumer rights; by having access to the same tools adopted by major financial institution, consumer can easily and objectively “risk-rank” investments opportunities. To the same token, having access to consumer credit report, will allow ALUDI member to ensure that consumer have an adequate investment profile.

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Ceremonial Signing Collaboration Agreement PT CLIK – INKOPSYAH

The Ceremonial Event of marking the start of the collaboration between CLIK Credit Bureau and Induk Koperasi Syariah (Inkopsyah) took place  on March 8th 2022 in Padepokan Pencak Silat, TMII Jakarta.

This collaboration aims to promotes the adoption of credit bureau services by credit cooperatives, to strengthen their risk management practices and support and speed up the ongoing digital transformation efforts that will make credit cooperative an ever more viable alternative to conventional lenders.

Mr.Ahmad Zabadi, as the Deputy Minister of Cooperatives,  TBC Ministry of Cooperatives & MSMEs, urges Cooperatives in Indonesia to accelerate their digital transformation journey in order to weaponize them self in support of the countries goal or reducing poverty by  promoting financial inclusion.

Leonardo Lapalorcia as the President Director of PT. CLIK said “Market Preferences are constantly changing, forcing Koperasi to adapt to be modern and digital.”

Leonardo Lapalorcia added that “Through the technology which owned by the CLIK Credit Bureau, Koperasi Simpan Pinjam can obtain complete Credit History Information and Risk Scores from Prospective Borrowings members comprehensively and predictive. This credit information can be used as a basis for managing risk on credit portfolio in order to make decisions quickly and precisely”.

The ceremony  was closed with a positive testimony from Mr.Adhy Suryadi, BMT ITQAN, which has been using CLIK’s service for the last 2 years. According to him, CLIK Credit Bureau has a deep impact in helping them on mitigating risk. He also encourages other Cooperatives to start leveraging CLIK Credit Bureau’s service under Inkopsyah X CLIK Collective Agreement, which provides special pricing.

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Account Executive

Job Role

The role to find business opportunities and manage customer relationships. Account Executive will be directly responsible for the preservation and expansion of our customer base. They should be comfortable with multitasking and be able to budget their resources in order to meet the assigned quotas for their role.

Main Responsibilities

  • Find new customers, explore customer’s needs, digging opportunity, make quotation.
  • Keeping in contact with the client at all stages of the campaign.
  • Negotiating with clients, solving any problems and making sure deadlines are met.

Position Qualifications

  • Bachelor’s degree 2-3 years of business experience
  • Part Time/Full time with contract 6 months
  • Having experience some exposure to similar risk assessment tools and experience selling to banks.
  • Minimum S1 from any major, IT would be an advantage.
  • Good Communication, Presentation and Negotiation Skill.
  • Love the work related to sales.
  • Must have extensive background in selling IT products, preferably to the Industry
  • Individual should present a positive, professional image, and be highly motivated.
  • Strong written and verbal communication skills
  • Strong organizational skills
  • Proficiency in Microsoft Office
  • Ability to harness financial data to inform decisions.

Email to:

Please mention on Subject E-mail : Source Vacancy – Position Applied

Example : Website – Account Executive

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Leonardo Lapalorcia January 19, 2022 0 Comments

CLIK Join Indonesia Fintech Summit

CLIK Join Indonesia Fintech Summit 2021 Regarding Technology Innovation for Industry and Customer Experience

Technology Innovation are fundamental for Fintech regarding Customer Experience and we are proud to be AFPI’s Partner to accelerate Technology for Fintech Lending Institution with our data and predictive analytics services. We are very honored to be involve in Indonesia Fintech Summit 2021 event which are align with our experience and aspiration to bring Technology Innovation for financial Industries especially in Customer Experience in Fintech Segment.

CLIK CEO, Leonardo Lapalorcia is humbled to share his experiences regarding Technology Innovation in Bureau Credit and its impact to Industry Governance and Customer Experience.

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Leonardo Lapalorcia December 16, 2021 0 Comments