Personal Loan Growth Strategist: CAC, Pricing & P&L

Cermati Fintech Group; Jakarta Pusat; On-site; IDR 600,000,000 - 900,000,000; Full time

Job summary

Cermati Fintech Group in Jakarta is looking for a Growth Marketing professional to lead acquisition funnel optimization, test experiments, and improve conversion while safeguarding credit quality.

You will partner with Partnership and Marketing teams to balance channel mix, manage CAC, and shape pricing and promo mechanics within regulatory constraints. Fluency in Indonesian and English is expected.

Qualifications

• Bachelor in economics, finance, or quantitative field; Master’s is a plus.
• 3–5 years in growth, performance marketing, or consumer lending strategy in Indonesia.
• Strong quantitative skills with advanced spreadsheets and SQL; able to interpret A/B test results.
• Understanding of lending unit economics and regulatory environment.

Responsibilities

• Maintain acquisition funnel and run experiments to lift conversions without degrading credit quality.
• Balance CAC by optimizing channel mix across digital marketing, referrals, affiliates, and organic/direct.
• Own pricing and promo strategy; collaborate with Risk on rate-card testing and elasticity.
• Perform competitive intelligence on the Indonesian digital lending market and translate findings into actionable campaigns.
• Forecast personal loan P&L and report growth to the Head of Personal Loan Business, ensuring budgets are met.

Skills

Growth & performance marketing

Quantitative modeling (SQL, SPSS/Excel

Lending unit economics

Regulatory environment knowledge

Performance marketing platforms

Indonesian & English fluency

Education

Bachelor's degree in quantitative field

Master in Business/Finance

Job description

Cermati Fintech Group in Jakarta is looking for a Growth Marketing professional to lead acquisition funnel optimization, test experiments, and improve conversion while safeguarding credit quality.

You will partner with Partnership and Marketing teams to balance channel mix, manage CAC, and shape pricing and promo mechanics within regulatory constraints. Fluency in Indonesian and English is expected.