Responsibilities
Develop and implement growth and engagement strategies to increase active user utilization and maximize customer loyalty across Amar Bank’s digital B2C retail lending products, focusing on cash loans and limit-based offerings.
Collaborate with cross-functional teams (Product Design, Research, Data, Engineering, Marketing, Compliance, and Business) to design, execute, and optimize initiatives, including loyalty programs, rewards systems, and personalized experiences.
Generate hypotheses from funnel diagnostics, behavioral analytics, and qualitative research. Translate each into a testable experiment with primary metric, MDE, and decision rule defined before launch.
Own funnel definition, instrumentation quality, and reporting cadence for the assigned product surface. Detect structural breaks early and root-cause to the cohort or segment level.
Develop and execute A/B tests and other experiments to validate strategies, working closely with data science and analytics teams to ensure statistically significant results.
Present metrics and insights to senior leadership, recommending strategies to enhance product metrics and meet Amar Bank’s growth objectives.
Stay updated with industry trends, competitor activities, and innovations in digital banking to ensure Amar Bank’s strategies are competitive and impactful.
Requirements
5+ years of experience in product management, preferably within the financial services or digital banking industry - specifically B2C Digital Loan App Product Management
Proven experience in leading product strategies that demonstrate measurable success in reducing churn and increasing engagement.
Strong analytical skills, with proficiency in data-driven decision-making, A/B testing, and customer segmentation analysis.
Solid understanding of digital banking products, customer lifecycle, and market trends B2C Digital Loan App Product.
Excellent project management skills, with the ability to juggle multiple projects and collaborate effectively across teams.
Strong communication and presentation skills, with the ability to convey complex ideas to both technical and non-technical stakeholders.
Involved in product discovery & has collaborated with UXR.
Bonus Point If
Familiar with OJK regulations relevant to digital lending and has navigated compliance review as part of product delivery.
You have hands-on experience with retention tools and CRM systems such as Moengage.
You have experience in a high-growth tech company, digital banking or fintech.
Has knowledge in SEO / ASO, Paid Ads and retargeting
Understand Android SDK for play store policy.
Understand lending collection process
MBA Graduated.
Knows Indonesian Banking & Fintech Market
Skills Required
- 5+ years product management experience, preferably in financial services or digital banking (B2C digital loan app)
- Proven experience leading product strategies that reduce churn and increase engagement
- Strong analytical skills with proficiency in data-driven decision-making, A/B testing, and customer segmentation analysis
- Solid understanding of digital banking products, customer lifecycle, and market trends for B2C digital loan apps
- Excellent project management skills and ability to manage multiple initiatives cross-functionally
- Strong communication and presentation skills for technical and non-technical stakeholders
- Experience in product discovery and collaboration with user research (UXR)
- Familiarity with OJK regulations relevant to digital lending and compliance review experience
- Hands-on experience with retention tools and CRM systems such as Moengage
- Experience in high-growth tech companies, digital banking or fintech
- Knowledge of SEO / ASO, Paid Ads and retargeting
- Understanding of Android SDK and Play Store policy
- Understanding of lending collection processes
- MBA degree
- Knowledge of Indonesian banking and fintech market
What We Do
Amar Bank is transforming banking for the digital era since 2014. We're all about supporting small businesses and those who don't have access to conventional banks. Our AI and cloud technology hooks you up with personalized ways to save, pay, and handle your finances. Meet our star player: Tunaiku! As of 2023, Tunaiku has served more than 14 million loan applicants, enabling those who are in need to access over IDR 9 trillion loans. At Amar Bank, we aim to make a meaningful impact on the lives of our customers. Get ready to level up with our epic innovations! PT Bank Amar Indonesia Tbk is a participant in LPS guarantee, licensed and supervised by OJK.
