Product Manager - Cash Loan

GoTo Group; Daerah Khusus Ibukota Jakarta; On-site; IDR 30,000 - 70,000; Full time

Job summary

Join a forward-thinking company that leads Indonesia's digital ecosystem, specializing in innovative financial solutions. In this role, you will collaborate with a diverse team to develop cutting-edge Cash Loan products that empower users and merchants alike. Your expertise in API development and end-to-end flow design will be crucial as you navigate the complexities of the fintech landscape. This dynamic position offers the chance to influence the future of financial services, ensuring compliance and enhancing user experiences. If you are passionate about making a real impact in the digital economy, this opportunity is for you.

Qualifications

• 5+ years of experience in fintech with a focus on lending.
• Strong understanding of end-to-end system architecture.

Responsibilities

• Build and deliver product solutions in the fintech sector.
• Ensure optimal user experience and compliance with regulations.

Skills

API Development

End-to-End Flow Design

Funnel Optimization

Cross-System Implementation

Event Tracking

Excellent Communication Skills

Job description

About the Role

Our division offers Buy Now Pay Later and Cash Loan services to enable our customers to achieve their financial business goals through our financial services. We make these services available to other businesses through partnerships via API services or our Superapp, which provides a range of services including e-commerce, payments, courier services, ride-hailing, and food delivery.

You will collaborate closely with Engineers, Analysts, Designers, and Project Management to build and manage new and exciting features, primarily focused on Cash Loan products and services. These features will enable us to provide credit access to a vast number of active users.

What You Will Do

• Build and deliver world-class product solutions in the fintech sector, specializing in customer, merchant, or vehicle lending.
• Plan, execute & integrate data source, third-party vendor, and front-end engine to our Mid-end services, empowering digital payment for products in the region.
• Ensure the tech team understands the specifications to deliver a quality product.
• Ensure optimal user experience, security & compliance with regulations.
• Stakeholder management, Partnership & collaboration across the region
• Understand the evolving needs and challenges of the consumer and merchants, and tailor the product to meet those needs

What You Will Need

• Minimum of 5 years of practical experience collaborating with technical and business teams, with a strong focus on front-end and mid-backend systems. This includes expertise in end-to-end flow design, funnel optimization, cross-system implementation, API development, product solutions, and event tracking.
• In-depth knowledge of best practices within the Lending industry (Consumer, Merchant, Banking, multi-finance, and Vehicle lending), particularly the Cash Loan sector.
• Familiarity with SDLC, Agile methodologies, and experience in various development stages, including testing and UI/UX design.
• Solid technical foundation to connect our mid-end system with the go-to-market product.
• Independent, analytical thinking, and a comprehensive understanding of the end-to-end system architecture.
• Excellent communication skills for interacting with regional stakeholders.

About the Team

Become part of a passionate and open-minded team, working across multiple locations and cultures. Our shared goal is to build and manage a comprehensive suite of macro services that support diverse financial business types.

About GoTo Group

GoTo Group is the largest digital ecosystem in Indonesia with its mission to “Empower Progress’ by offering technological infrastructure and solutions for everyone to access and thrive in the digital economy. The GoTo ecosystem consists of on-demand transportation services, food and grocery delivery, logistics and fulfillment, as well as financial and payment services through the Gojek and GoTo Financial platforms.It is the first platform in Southeast Asia that hosts these crucial cases in a single ecosystem, capturing the majority of Indonesia’s vast consumer household.

About Gojek

Gojek is Southeast Asia’s leading on-demand platform and pioneer of the multi-service ecosystem with over 2.5 million driver partners across the regions offering a wide range of services such as transportation, food delivery, logistics and more. With its mission to create impact at scale, Gojek is committed to resolving consumer problems and raising standards of living by connecting consumers to the best providers of goods and services in the market.

About GoTo Financial

GoTo Financial accelerates financial inclusion through its leading financial services and merchants solutions. Its consumer services include GoPay and GoPayLater and serve businesses of all sizes through Midtrans, Moka, GoBiz Plus, GoBiz, and Selly. With its trusted and inclusive ecosystem of products, GoTo Financial is open to new growth opportunities and aims to empower everyone to Make It Happen, Make It Together, Make It Last.

GoTo and its business units, including Gojek and GoToFinancial ("GoTo") only post job opportunities on our official channels onour respective company websites and on LinkedIn. GoTo is not liable for any job postings or job offers that did not originate from us. You should conduct your own due diligence to prevent being victims of any fake job scams, if they did not originate from GoTo's official recruitment channels.

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