Personal Loan Strategy & Growth

Indodana; Jakarta Pusat; On-site; IDR 360,000,000 - 600,000,000; Full time

Job summary

Indodana is seeking a Growth Marketing Lead for Jakarta to own acquisition, channel mix, pricing and promo strategy, and market intelligence in Indonesia's digital lending space.

The role requires 3–5 years in growth and performance marketing with strong SQL, spreadsheet modeling, and familiarity with CRM tools. Fluency in Indonesian and English is essential.

Qualifications

• 3–5 years in growth, performance marketing, or consumer lending/fintech strategy in Indonesia.
• Strong quantitative skills and fluency in spreadsheet modeling and SQL.
• Experience reading and acting on A/B testing results.
• Familiarity with lending unit economics and regulatory environment.
• Direct experience with performance marketing (CRM, Google, Meta).
• Fluent in Indonesian and English.

Responsibilities

• Maintain the acquisition funnel and diagnose performance drop-offs across the user journey.
• Partner with marketing to run experiments to lift conversions at each gate while protecting credit quality.
• Balance channel mix to safeguard CAC and optimize blended costs against LTV.
• Own pricing and promo strategy with risk teams and ensure regulatory compliance.
• Track competitor activity in the Indonesian digital lending market and translate into campaigns.
• Forecast P&L for Personal Loan portfolio and report growth against budgets.

Skills

Growth marketing

Performance marketing

SQL

A/B testing

Spreadsheet modeling

Indonesian market

Tools

Google Ads

Meta Ads

CRM

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

• 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