Personal Loan Strategy & Growth

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

• Maintain the acquisition funnel. Partner with Partnership and Marketing teams to diagnose performance drop-offs across the entire user journey and run experiments to lift conversion at each gate without degrading credit quality.
• Safeguarding CAC by balancing Channel Mix. Allocate budgets across digital marketing channels, referral, affiliate, and organic/direct — optimizing blended costs against customer lifetime value.
• Own the pricing and promo campaign strategy. Partner with Risk teams on rate-card testing and elasticity experiments; turn results into promo mechanics that stay within regulatory compliance.
• Perform continuous competitive intelligence. Track competitor activities and strategies in the Indonesian digital lending market. Turn those findings into actionable insights and informed campaign decisions.
• Safeguard the personal loan P&L. Forecast portfolio targets on a periodic basis and own reporting on growth performance to the Head of Personal Loan Business. Ensure the Personal Loan portfolio is performing according to budgets previously set for the period.

Job Description

• Maintain the acquisition funnel. Partner with Partnership and Marketing teams to diagnose performance drop-offs across the entire user journey and run experiments to lift conversion at each gate without degrading credit quality.
• Safeguarding CAC by balancing Channel Mix. Allocate budgets across digital marketing channels, referral, affiliate, and organic/direct — optimizing blended costs against customer lifetime value.
• Own the pricing and promo campaign strategy. Partner with Risk teams on rate-card testing and elasticity experiments; turn results into promo mechanics that stay within regulatory compliance.
• Perform continuous competitive intelligence. Track competitor activities and strategies in the Indonesian digital lending market. Turn those findings into actionable insights and informed campaign decisions.
• Safeguard the personal loan P&l. Forecast portfolio targets on a periodic basis and own reporting on growth performance to the Head of Personal Loan Business. Ensure the Personal Loan portfolio is performing according to budgets previously set for the period.

Qualifications

Min Bachelor degree in quantitative field (economics, finance, natural science); Master in Business/Finance related area is a plus

• 3-5 years in growth, performance marketing, or consumer lending/fintech strategy, or lending business in Indonesia
• Strong fluency in quantitative – comfortable in advanced spreadsheet modeling, SQL, able to read and act on A/B testing result
• Understand lending unit economics (risk adjusted margin, NPL, cost of fund, etc)
• Familiarity with digital lending regulatory environment
• Direct experience with performance marketing is preferable (CRM, Google, Meta, etc)
• Fluent in Indonesian and English