About Amartha
At Amartha, we empower micro-businesses across Indonesia, enabling growth and equal prosperity. We’ve supported over 2.7 million entrepreneurs—mostly women—by disbursing IDR 22.8 trillion in funding. As we step into 2026, Amartha is evolving into a technology-driven financial ecosystem, expanding our reach in lending, funding, and payments. Through innovation and digital solutions, we aim to enhance accessibility, streamline processes, and create a seamless user experience.
About the role
As a Revenue and Pricing Management Lead, you’ll be responsible for driving Amartha’s profitability through smart pricing strategies and revenue optimization across all payment products. You’ll develop and manage pricing frameworks, analyze financial performance, and ensure every pricing decision aligns with the company’s overall business goals.
In this role, you’ll lead initiatives to balance growth and margin improvement by monitoring product-level P&L, optimizing take rates, and building financial models to forecast revenue performance. You’ll also conduct competitive benchmarking, assess pricing elasticity, and provide actionable insights that strengthen Amartha’s market position.
This position is perfect for a data-driven and strategic leader with strong analytical and financial skills, experience in the payments or fintech industry, and a passion for transforming data into impactful business decisions.
Job Description1. Pricing Strategy & Framework- Develop and own end-to-end pricing strategy across all payment products.
- Establish pricing frameworks, governance, and approval processes.
- Define pricing models (MDR, fixed fee, tiered pricing, blended rate, promotional pricing).
- Ensure alignment between pricing strategy and overall business objectives.
- Drive revenue growth and margin improvement across payment products.
- Monitor product-level P&L and contribution margin.
- Optimize take rate while maintaining transaction growth.
- Lead profitability analysis by segment (agent, consumer, enterprise).
- Conduct market benchmarking and competitor pricing analysis.
- Recommend pricing adjustments to maintain competitiveness.
- Evaluate pricing elasticity and customer behavior impact.
- Monitor industry trends and regulatory pricing considerations.
- Oversee pricing implementation and operational execution.
- Ensure pricing accuracy across systems and channels.
- Standardize pricing documentation and internal policies.
- Manage pricing approval workflow and exception handling.
- Build pricing simulation models and scenario analysis.
- Conduct sensitivity and break-even analysis.
- Partner with Finance to forecast revenue and margin projections.
- Establish dashboards to monitor revenue, take rate, and cost structure.
- Collaborate with Product teams for new product pricing.
- Work with Commercial/Sales on custom pricing proposals.
- Align with Risk and Compliance for regulatory considerations.
- Support leadership with pricing insights and strategic recommendations.
- Lead and develop the Pricing team.
- Set performance targets and KPIs.
- Build analytical capabilities within the team.
Requirements
- Bachelor’s degree in Finance, Economics, Business, Engineering, or related field.
- 6+ years of experience in Pricing, Revenue Management, Financial Planning, or Payments/Fintech industry.
- Strong background in payment products (MDR, interchange, gateway fee, QRIS, remittance, PPOB, etc.).
- Experience managing product-level P&L and pricing governance.
- Proven track record in driving profitability improvement.
- Strong financial modeling and data analysis skills.
- Deep understanding of payment cost structure (scheme fee, switch fee, partner fee, operational cost).
- Experience with pricing tools, BI dashboards, and Excel/SQL.
- Ability to translate complex financial data into strategic decisions.
At Amartha, we are dedicated to creating a workplace that celebrates diversity, ensures equity, and fosters inclusion. We believe that diverse perspectives—shaped by factors such as gender, age, race, ethnicity, education, culture, and life experiences—drive innovation and growth.
We actively welcome individuals from all backgrounds to join us in building an environment where everyone feels respected, valued, and empowered. Our commitment is to provide equal opportunities and foster a sense of belonging that enables our employees to thrive and make meaningful contributions.
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What We Do
We are a prosperity platform company to harmoniously build a strong economy from the grassroots in order to realize the grassroots communities of technology equity, inclusiveness and sustainability. We believe prosperity platform is the right solution to deliver high quality digital financial services and to bridge the gap that brings shared prosperity to the World. Amartha’s Team are highly compassionate people who are impatient to deliver their impacts to alleviate the sufferings of others. Working at Amartha means you are part of dynamic and compassionate team who make impact on daily basis. It means you sign up for a high-paced environment where everyone is taking part in achieving success and make other people happier. It also means you wake up every single day energized, and excited of what’s next to be done to help Indonesia and the world a more equitable and prosperous place to live for everyone. It means you feel special, as whatever you do with Amartha makes a dent in the universe, healing the world a day at a time. Working at Amartha means you are ready to help and alleviate each other, contribute your best with empathy and passion. As we go long miles, you need a team to achieve your success. Working at Amartha means you have made a conscious choice to embark on a journey to creating a less painful world. A journey that makes you feel good, that you have contributed to a meaningful work every single day. Join our impact mission! Check our career page now👉🏼 https://careers.amartha.com/
