Product Tunaiku Circle Lead

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.