Product Manager (Banking)

The Convergence Project; Cikoko; On-site; IDR 250,000,000 - 450,000,000; Full time

Job summary

The Convergence Project is seeking a Product Manager to own and drive digital banking products. You will translate customer needs, business objectives, and regulatory requirements into scalable product strategies and experiences, collaborating with multiple teams to deliver reliable, growth-oriented digital banking solutions.

You will define roadmaps, KPI targets, and customer journeys while owning end-to-end product development and ensuring regulatory compliance across Banking processes.

Qualifications

• 3 to 6 years of experience as a Product Manager, with hands-on fintech/digital banking exposure.
• Experience in regulated banking environments and translating regulatory requirements into product specs.
• Strong ability to define KPIs, roadmaps, and customer journeys.

Responsibilities

• Define product strategy and roadmap for digital banking offerings.
• Own end-to-end product lifecycle from discovery to optimization.
• Translate business needs into PRD, user stories, and specs for engineering.
• Collaborate with Risk, Compliance, Legal, and stakeholders to meet regulatory requirements.
• Analyze customer data and journeys to improve onboarding and engagement.
• Lead cross-functional squads and communicate progress to executives.

Skills

Product management

Digital banking

Stakeholder management

Data-driven decisions

Regulatory compliance

User journeys

Communication

Job description

We are looking for a Product Manager to own and drive digital banking products for our client's banking business. You will be responsible for translating customer needs, business objectives, and regulatory requirements into product strategies and scalable digital experiences. You will work across Product, Engineering, Design, Business, Operations, Risk, Compliance, and other stakeholders to deliver products that improve customer experience, drive business growth, and operate reliably within a regulated banking environment.

Key Responsibilities

1. Banking Product Strategy and Roadmap

• Define and own the product strategy and roadmap for digital banking products
• Translate customer needs, business objectives, market opportunities, and regulatory requirements into product priorities
• Identify opportunities to improve customer acquisition, activation, engagement, transaction frequency, and retention
• Prioritize product initiatives based on customer impact, business value, technical feasibility, risk, and regulatory considerations
• Define product objectives, KPIs, and success metrics aligned with business goals
• Develop and maintain a clear product roadmap and communicate priorities to relevant stakeholders
• Continuously evaluate product performance and adjust roadmap priorities based on data and customer insights

2. End to End Banking Product Ownership

• Own the complete product lifecycle from discovery and product definition through development, launch, optimization, and continuous improvement
• Define customer journeys and product experiences across relevant digital banking use cases
• Translate business requirements and customer problems into clear product requirements and actionable product solutions
• Develop PRD, user stories, acceptance criteria, business rules, and product specifications for Engineering and Design teams
• Work closely with Engineering and Design to ensure product solutions meet customer, business, and technical requirements
• Coordinate product releases and ensure appropriate readiness across Technology, Operations, Customer Service, Business, and other stakeholders
• Monitor post-launch performance and identify opportunities for optimization
• Analyze customer journeys across digital banking products and identify friction points and opportunities for improvement
• Use customer research, behavioral data, feedback, and service insights to inform product decisions
• Design simple and intuitive experiences for complex banking processes
• Work with UX/UI Designers and Researchers to validate product concepts and customer journeys
• Continuously improve onboarding, authentication, transaction, service, and engagement experiences
• Ensure product experiences are consistent across relevant digital banking channels

4. Banking Risk, Compliance, and Regulatory Alignment

• Work closely with Risk, Compliance, Legal, and relevant control functions to ensure products comply with applicable banking regulations and internal policies
• Translate regulatory and policy requirements into clear product requirements and customer journeys
• Identify product risks and ensure appropriate controls are incorporated into product design and implementation
• Support implementation of customer protection, transaction monitoring, fraud prevention, and other relevant banking controls
• Ensure product changes are properly assessed for operational, compliance, security, and customer impact
• Coordinate with relevant stakeholders to address regulatory findings, operational risks, and product control gaps

5. Data Driven Product Optimization

• Define and monitor product KPIs including customer acquisition, activation, engagement, transaction volume, conversion, retention, and product usage
• Analyze customer behavior, transaction data, product funnels, and operational metrics to identify product opportunities
• Conduct cohort and segmentation analysis to understand differences in customer behavior and product performance
• Use quantitative and qualitative insights to prioritize product improvements
• Establish measurement frameworks for new product launches and major product initiatives
• Work with Data and Analytics teams to develop dashboards and product performance reporting
• Use experimentation and A/B testing where appropriate to validate product hypotheses and improve customer outcomes

6. Cross Functional Leadership and Product Delivery

• Lead cross-functional product squads consisting of Engineering, Design, QA, Data, Business, and other relevant functions
• Establish clear product goals, priorities, requirements, and delivery expectations for the squad
• Work closely with Engineering to manage dependencies, technical constraints, delivery risks, and implementation decisions
• Collaborate with Operations and Customer Service to ensure products are operationally ready
• Partner with Marketing, CRM, Business, Risk, Compliance, Finance, and Legal on product initiatives
• Facilitate product discussions, prioritization sessions, refinement, and stakeholder alignment
• Communicate product progress, risks, decisions, and outcomes clearly to senior stakeholders

Qualifications

• 3 to 6 years of experience as a Product Manager, with hands-on experience managing digital banking of fintech products as a MUST
• Candidates without direct banking product management experience will not be considered
• Strong understanding of digital banking products, customer journeys, banking operations, and financial services ecosystems
• Experience owning products through the end-to-end product lifecycle, from discovery and strategy through delivery, launch, and optimization
• Experience working in a regulated banking or financial services environment
• Strong understanding of banking product fundamentals, including customer onboarding, authentication, account services, transactions, payments, and digital banking channels
• Experience working closely with Engineering, Design, Data, Operations, Risk, Compliance, Legal, and Business teams
• Proven experience writing PRD, user stories, acceptance criteria, business rules, and product documentation
• Strong data literacy with the ability to translate customer, transaction, and business data into product decisions
• Experience defining and managing product KPIs, dashboards, funnels, and product performance metrics
• Experience conducting customer research, usability testing, experimentation, or other product discovery activities
• Familiarity with Indonesian banking regulations and the regulatory environment involving Bank Indonesia and OJK is highly preferred
• Experience working with core banking systems, digital banking platforms, payment systems, or other banking technology infrastructure is a strong advantage
• Strong stakeholder management skills with the ability to work across business, technology, risk, compliance, and operational teams
• Strong communication, analytical, and structured problem-solving skills
• Comfortable working in a complex enterprise environment with multiple stakeholders, dependencies, and regulatory requirements