Product Manager

PT Bank Raya Indonesia Tbk.; Jakarta Pusat; On-site; IDR 450,000,000 - 750,000,000; Full time

Job summary

Bank Raya Indonesia Tbk is seeking a Product Manager – Payments to own end-to-end payment products and digital services, collaborating with the Payment Squad and cross-functional teams to shape strategy, development, implementation, regulatory compliance, and continuous improvement.

You will translate business needs into product requirements, manage roadmaps, coordinate testing and post-launch monitoring, and optimize transaction performance while navigating QRIS, APIs, and licensing

Qualifications

• Bachelor’s degree in any major with tech/digital product development understanding.
• At least 3 years as Product Manager in payments/digital services.
• Strong experience with QRIS, Open API/SNAP, and debit products.
• Knowledge of payment systems: QRIS Issuer/Acquirer, transfers, billers, APIs.
• Experience defining product/integration requirements, API data mapping, error handling.
• Familiar with internal/partner integrations and licensing/regulatory reporting (BI, OJK, ASPI).
• Proficient in Google Workspace, Jira, and Confluence.
• Strong analytical, problem-solving, communication, stakeholder mgmt.

Responsibilities

• Managing product roadmap, priorities, requirements, and end-to-end product development.
• Translating business needs into product requirements, user stories, acceptance criteria, business flows, and integration requirements.
• Collaborating with the Payment Squad and cross-functional stakeholders using Agile/Scrum methodologies.
• Coordinating product testing, implementation, regulatory requirements, and post-launch monitoring.
• Monitoring transaction performance, risks, and issues to identify opportunities for product optimization.

Skills

Product management

Agile/Scrum

Stakeholder management

Analytical thinking

Problem solving

Communication

Education

Bachelor’s degree

Tools

Google Workspace

Jira

Confluence

Job description

Bank Raya is looking for a Product Manager – Payments to manage and develop payment products and digital transactional services end-to-end. This role will work closely with the Payment Squad and cross-functional stakeholders to drive product strategy, development, implementation, regulatory compliance, and continuous improvement.

Your responsibilities include:

• Managing product roadmap, priorities, requirements, and end-to-end product development.
• Translating business needs into product requirements, user stories, acceptance criteria, business flows, and integration requirements.
• Collaborating with the Payment Squad and cross-functional stakeholders using Agile/Scrum methodologies.
• Coordinating product testing, implementation, regulatory requirements, and post-launch monitoring.
• Monitoring transaction performance, risks, and issues to identify opportunities for product optimization.

Requirements:

• Bachelor’s degree in any major with a good understanding of technology, system integration, and digital product development.
• Minimum 3 years of experience as a Product Manager or similar role, with a strong background in payment products and digital transactional services.
• Strong experience in QRIS, Open API/SNAP, and debit card products.
• Good understanding of payment systems, including QRIS Issuer/Acquirer, fund transfers, biller/PPOB, and payment APIs.
• Understanding of end-to-end payment processes, including authorization, settlement, reconciliation, reversal, refund, dispute, and fraud control.
• Experience in defining product and integration requirements, including system flow, API, data mapping, and transaction failure handling.
• Understanding of integrations with internal systems, partners, switching providers, principals, biller aggregators, and payment service providers.
• Good understanding of payment-related regulations, licensing, and reporting requirements from BI, OJK, and ASPI.
• Proficient in Google Workspace, Jira, and Confluence.
• Strong analytical, problem-solving, communication, and stakeholder management skills.