We are looking for a Senior Product Manager to own and scale our Lending products. This role is critical as we expand our lending portfolio to serve more micro-merchants with accessible, responsible credit.
You will be responsible for the end-to-end lending product lifecycle — from loan origination, credit decisioning, disbursement, to collections. You will work closely with our Risk and Data Science teams to build credit models that balance growth with portfolio health.
Key Responsibilities
Own Lending Product Roadmap: Define and execute the product strategy for loan origination, credit assessment, disbursement, repayment, and collections
Scale Lending Portfolio: Drive growth in loan disbursements while maintaining healthy portfolio quality (NPL, default rates)
Credit Product Innovation: Develop new lending products tailored to micro-merchant needs (e.g., working capital loans, inventory financing, revenue-based financing)
Credit Decisioning: Partner with Data and Risk to improve credit scoring models, reduce fraud, and optimize approval rates
Regulatory Compliance: Ensure lending products comply with OJK regulations and responsible lending practices
Cross-Functional Collaboration: Work closely with Risk, Data, Engineering, Collections, and Business teams to deliver on roadmap
Define Success Metrics: Establish and track KPIs including disbursement volume, approval rate, NPL ratio, collection rate, and customer satisfaction
Qualifications
5+ years of product management experience, with at least 3 years in lending, credit, or financial services
Strong understanding of lending mechanics: credit scoring, underwriting, disbursement, collections
Experience with SMB or micro-lending products strongly preferred
Data-driven mindset — comfortable with credit metrics (NPL, PAR, approval rate, default rate)
Understanding of OJK regulations for lending (P2P or multifinance)
Strong analytical skills — can analyze portfolio performance and make data-driven decisions
Experience balancing growth with risk management
Excellent communication skills — can work with technical and business stakeholders
Experience in agile methodologies
BukuWarung is a Y-Combinator backed technology company that is building digital infrastructure for 60 million MSMEs in Indonesia. BukuWarung's vision is to empower 60 million MSMEs in Indonesia to become financially aware and enable them to manage and grow their business using our technology platform, starting with bookkeeping and digital payments.
BukuWarung is backed by top tier VCs in Southeast Asia and globally: Valar Ventures, Goodwater Capital, rocketship.vc, Y-Combinator, East Ventures, Quona Capital, AC Ventures, Soma Capital, Golden Gate Ventures, HOF Capital, GMO Venture Partners, Venture Souq, Tanglin Venture Partners, DST Global Partners, and strategic angel investors
