BaaS & Biller Product Lead: Open Banking & API Monetization

PT Bank Nationalnobu Tbk; Tangerang; On-site; IDR 334,800,000 - 468,720,000; Full time

Job summary

PT Bank Nationalnobu Tbk is seeking a Product Manager to shape product strategy around Open Banking, API products, and Biller Aggregator solutions, with a strong focus on payments and digital banking ecosystems. You will own the product vision, collaborate with engineering, risk, and compliance, and translate market opportunities into scalable API-led offerings.

The role emphasizes regulatory alignment with BI and OJK, governance approvals, and rigorous risk management, while driving agile

Qualifications

• Minimum Bachelor’s Degree from a reputable university in Computer Science, IT, Business, Finance, or related field.
• Proven track record as a Product Manager handling Open Banking, API products, Payments, or Biller Aggregator solutions.
• Deep understanding of standard banking operations, digital payment systems, and regulatory frameworks.
• Strong command of Indonesian Open Banking frameworks and BI/OJK compliance guidelines.
• High technical literacy regarding API architectures, web services, cloud infrastructure, and data security.

Responsibilities

• Define and execute product vision, market strategy, and strategic roadmap for BaaS and Biller ecosystems.
• Identify growth opportunities in embedded finance, platform integration, and ecosystem partnerships.
• Design and optimize API monetization models and pricing strategies.
• Conduct regular competitor benchmarking and industry trend analysis.
• Author PRD/BRD, user flows, and comprehensive API specifications.
• Manage product backlog, prioritize features, and lead cross-functional delivery using Agile methods.
• Collaborate with IT Developers, System Architects, and Security teams to build scalable, secure APIs.
• Ensure all products align with BI and OJK regulations, including SNAP API standards.
• Lead governance with Risk, Legal, and Compliance for internal approvals.
• Oversee risk assessments, Fraud mitigation, settlement risks, and operational resilience.

Skills

Open Banking

API products

Payments

Biller Aggregator

Education

Bachelor's Degree (S1) in Computer Science/IT/Business/Finance

Tools

API architectures

Web services

Cloud infrastructure

Security practices

Job description

PT Bank Nationalnobu Tbk is seeking a Product Manager to shape product strategy around Open Banking, API products, and Biller Aggregator solutions, with a strong focus on payments and digital banking ecosystems. You will own the product vision, collaborate with engineering, risk, and compliance, and translate market opportunities into scalable API-led offerings.

The role emphasizes regulatory alignment with BI and OJK, governance approvals, and rigorous risk management, while driving agile