Product Manager — BNPL Card Experience & Disputes

Atome; Jakarta Pusat; On-site; IDR 350,000,000 - 650,000,000; Full time

Job summary

Atome Financial is hiring a Product Manager to bridge seamless consumer credit journeys with robust backend operations. You will own BNPL card journeys, disputes, and servicing, coordinating with Engineering, Risk, and Compliance to meet regulatory and customer expectations.

You will analyze funnel metrics, drive data-driven improvements, and work with external partners to ensure smooth go-lives across Southeast Asia markets.

Qualifications

• 3+ years of Product Management experience in Fintech, Lending, or Payments.
• Experience with complaint/dispute related products including ticketing/CRM workflows, billing disputes, returns/refunds, fee waivers and appeals, SLA tracking.

Responsibilities

• Lead strategy and execution of core BNPL card user journeys from onboarding to installment planning, billing, and repayment.
• Own Dispute Management & Customer Servicing product roadmap and automate workflows to improve SLA and reduce manual work for Operations.
• Bridge Engineering, Risk and Compliance to translate regulatory requirements into PRDs, flowcharts and specs; define API boundaries with partners.
• Own credit funnel metrics and use basic analytics to track repayment behavior, conversions, and complaint trends.
• Ensure regulatory compliance design through the product and work with cross-market teams for consistent execution.

Skills

Product Management

Fintech

Dispute/CRM workflows

Data analytics

Regulatory understanding

English communication

Cross-functional collaboration

Job description

Atome Financial is hiring a Product Manager to bridge seamless consumer credit journeys with robust backend operations. You will own BNPL card journeys, disputes, and servicing, coordinating with Engineering, Risk, and Compliance to meet regulatory and customer expectations.

You will analyze funnel metrics, drive data-driven improvements, and work with external partners to ensure smooth go-lives across Southeast Asia markets.