Head of Digital Lending

Amartha Financial; Jakarta Pusat; On-site; IDR 150,000,000 - 270,000,000; Full time

Job summary

Amartha, a technology-driven microfinance platform in Indonesia, seeks a product-focused professional to design and launch consumer lending products, grow the digital lending business with new partners, and lead cross-functional initiatives from discovery to scale.

You will work with data-driven decision making, leveraging SQL and Python to extract insights, while ensuring compliance and scalable delivery across teams.

Qualifications

• Experience in building and grow new business line.
• Experience and has passion in digital product development & innovation.
• Preferable has capability in data analytic (SQL, phyton) and utilize AI to help day-to-day operation.
• Experience in startup industry
• Excellent communication and stakeholder management skill.

Responsibilities

• Design and build new consumer lending products, from market research and problem discovery to launch
• Grow and expand digital lending business by new partners acquisition and improve customer adoption for existing product
• Lead cross-functional projects end to end: define scope, set timelines, remove blockers, and make sure delivery is on time
• Use data (SQL, Python) to find insights, run experiments, and support product and credit decisions
• Find and carry out process improvements that increase efficiency, customer experience, and portfolio quality
• Keep management and stakeholders updated on product performance, risks, and progress
• Work with external and internal teams to deliver products that are compliant and able to scale

Skills

Business development

Product development

Stakeholder management

Data-driven decision making

Tools

SQL

Python

Job description

About Amartha

Amartha is a technology company focused on creating shared prosperity by developing digital financial solutions for the grassroots economy. Founded in 2010 as a microfinance institution, Amartha connects rural, women-led micro-enterprises with affordable capital. Amartha is expanding as a tech company, building a microfinance ecosystem that connects to the growing digital economy through capital, investment, and payment services. By boosting the competitiveness of micro and small entrepreneurs, Amartha empowers women-led MSMEs, creates jobs, and fosters inclusive economic growth.

About Amartha

Amartha is a technology company focused on creating shared prosperity by developing digital financial solutions for the grassroots economy. Founded in 2010 as a microfinance institution, Amartha connects rural, women-led micro-enterprises with affordable capital. Amartha is expanding as a tech company, building a microfinance ecosystem that connects to the growing digital economy through capital, investment, and payment services. By boosting the competitiveness of micro and small entrepreneurs, Amartha empowers women-led MSMEs, creates jobs, and fosters inclusive economic growth.

About The Team

Digital Lending team responsible for building digital loan product that embedded in other ecosystem (partners and internal ecosystem) example: existing telkomsel smartpay in MyTelkomsel app. Candidate also expected to expand and grow the digital lending business to achieve target numbers: adoption rate (# users), disbursement amount, and repayment quality. The team is combination of product building and business development with high-data driven decision making.

Roles And Responsibilities

• Design and build new consumer lending products, from market research and problem discovery to launch
• Grow and expand digital lending business by new partners acquisition and improve customer adoption for existing product
• Lead cross-functional projects end to end: define scope, set timelines, remove blockers, and make sure delivery is on time
• Use data (SQL, python) to find insights, run experiments, and support product and credit decisions
• Find and carry out process improvements that increase efficiency, customer experience, and portfolio quality
• Keep management and stakeholders updated on product performance, risks, and progress
• Work with external and internal teams to deliver products that are compliant and able to scale

Requirements

• Experience in building and grow new business line
• Experience and has passion in digital product development & innovation
• Preferable has capability in data analytic (SQL, phyton) and utilize AI to help day-to-day operation
• Experience in startup industryExcellent communication and stakeholder management skill

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.