Product analytics & Strategy : Target Market, Competitive Landscape and proposition- UVP
- Define IBL Strategy and target segments (e.g., Personal Banking - EA, Premier Banking, Private Banking), use cases (liquidity, wealth leverage), and eligibility rules.
- Conduct competitive benchmarking (Pricing, LTV, process/TAT/TTY/TTC, digital capability, Marketing Program, etc).
- Identify market trends, regulatory changes, and portfolio risk signals (i.e. margin calls) ; translate insights into product actions.
- New product design & system (end to end): customer experience and journey, facility types, limits, LTV, repayment options, fees, STP scope etc.
- Build customer personas, end to end journeys, and value propositions by segment/channel (segments, mobile banking, RM, branches, partners i.e insurance).
- Product advisory for RMs/Network/Sales
Product execution : Marketing Plan & acquisition channel
- Create and execute GTM plan: positioning, offers, messaging, content, and customer education.
- Define acquisition funnel across channels:
- Digital (OCBC Mobile, push/in-app banners, SEO/SEM)
- Internal (RMs, branches, contact center)
- Stakeholder Management (i.e Collaboration with GM for wealth event, collaboration with Segment Proposition for Program, collaboration with Network for monitoring & sales execution, Marketing Communication for product campaign)
- Build lead-generation and conversion strategy (propensity models, pre-approved leads, portfolio growth).
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Set sales playbooks, training materials, and KPI and incentive alignment (where applicable).
Become speaker at Customer/Network event
Product Governance & Monitoring : Cost & Pricing; Business Volume & Performance and Risk Governance
- Define pricing framework – FTP : reference rates/spreads, fee, promo pricing etc.
- Manage profitability: NIM, FTP impacts, acquisition cost, operational costs, expected credit loss, capital usage/charge (KRK).
- Monitor KPIs and management reporting : applications, approvals, utilization, disbursements, revenue, NIM, NPL/ECL, LTV distribution, TTY/TTC, STP rate,etc.
- Manage portfolio health: collateral movements, margin calls/alerts (if applicable), early warning indicators.
- Manage product governance: product program documents, approvals, policy alignment.
- Ensure end to end controls: KYC/AML, credit policy adherence, fair dealing, conduct risk, complaints handling from customer etc.
What We Do
PT Bank OCBC NISP Tbk is a leading financial institution in Indonesia that provides a wide array of banking products and services to corporate, SME, and individual customers. Operating through business, consumer, and global markets segments, it offers savings, loans, credit cards, mutual funds, and insurance products. The company is a subsidiary of OCBC Overseas Investments Pte. Ltd. and is one of Indonesia's top ten banks.
