Job Description

This role is accountable not only for building great products (strategy & innovation), but also for establishing robust product governance & world-class product culture that promotes core values of Customer focus, Experimentation, and Focus on Result.

Responsibilities:

• Strategic & Portfolio Leadership
• Define and drive a customer-centric, data-informed product strategy aligned with Amar Bank’s purpose and growth goals.
• Prioritize and govern multiple product lines at different maturity stages—balancing innovation with operational and regulatory stability.
• Lead, define, represent, and communicate Digital Product Line Vision, Strategy, and OKR for all stakeholders
• Lead, Define, Represent, Communicate Quarter Key Strategic Cross Product Line Strategy and Initiative for all stakeholders
• Own key strategic initiatives from product line discovery, delivery, experimentation, and effectively communicate progress & outcomes with top-level stakeholders (Business Heads, CTO, CEO)
• Manage the whole product line lifecycle from discovery, delivery, deployment, marketing, and retirement
• Become the key product evangelist and participate in press activities, conferences, discussions with thought leaders, and market analysts.


• Product Governance & Risk Management
• Establish and enforce product governance processes across ideation, development, rollout, and sunsetting.
• Ensure compliance with OJK/BI requirements, data privacy laws, and internal control frameworks.
• Collaborate with Risk, Compliance, Legal, and Internal Audit to integrate checkpoints and traceability into product delivery.
• Drive documentation standards, audit readiness, and approval flows (e.g., Product Committee reviews, risk assessments).


• Team Leadership & Development
• Mentor senior leaders across the team, instill a culture of customer focus, experimentation, focus on results and ownership
• Create clarity in structure, accountability, and cross-functional collaboration across teams.
• Determine the whole product organization team improvement Vision & Semester Direction
• Ensure that the whole product organization structure, manpower planning, and overseeing budget allocation are effective
• Build incredible teams and processes to deliver products that satisfy the needs of customers & meet company objectives

Requirement

• 8+ years of experience in product leadership roles 
• 4+ years of experience managing B2C digital loan application (BNPL/Cash Loan)
• Ownership mindset, Drive to Learn, Grit & Resilience
• Proven ability to engage and influence C-level stakeholders across product, technology, and business functions. operate with a high degree of autonomy — translating goals into actionable strategy, setting governance standards, and driving execution without close oversight. 
• Mastery of product analytics, operations, discovery, delivery, experimentation, and governance.
• Proven experience setting up or operating within robust product governance frameworks & toward world-class product culture (Discovery/Experimentation/Analytics)
• Fluent in English, both written and verbal.

Bonus Point If:

• A Master’s degree or MBA is highly desirable.
• Proven experience managing B2C loan products in international or multi-market environments.
• Experience managing product manager, product designer & product researcher directly
• Strong understanding of the financial services system and compliance responsibilities at the product level.
• Familiar with Product Analytics Tools (Looker, Mixpanel), AB Testing tools (Statsig, AB Tasty), screen-recording tools, JIRA, 
• Deep understanding of digital loan, digital banking, SME Banking, and Embedded Banking.
• Strong grasp of Indonesia’s financial ecosystem and regulatory landscape, including dealings with OJK, Bank Indonesia, and industry associations.
• Strong understanding of the Indonesian market & customer behavior
• Fluent in Bahasa Indonesia, both written and verbal.