Product Manager - Core Banking (Loan Product)

FinAccel Pte Ltd; Cikoko; On-site; IDR 350,000,000 - 550,000,000; Full time

Job summary

Kredivo in Jakarta is seeking a Product Manager – Core Banking (Loan) to join the Product team. You will own end-to-end lifecycle from discovery to launch, shaping core lending platform across markets and driving scalable, compliant lending capabilities.

Collaborate with Engineering, Design, Data, Operations, Risk, Finance, and Compliance to deliver solutions that balance customer needs with business priorities and regulatory requirements.

Qualifications

• 3–6 years of Product Management experience in fintech/banking/payments or tech-driven companies.
• Strong analytical and problem-solving skills with data-informed decisions.
• Experience writing clear PRDs, user stories, and acceptance criteria.
• Comfortable with engineers, APIs, system integrations, and platform architecture.
• Excellent stakeholder management and communication, with influence without authority.

Responsibilities

• Own end-to-end product lifecycle from discovery to launch and post-launch monitoring.
• Define requirements and collaborate with Engineering and Design to deliver high-quality solutions.
• Partner with Product, Engineering, Business, Operations, Risk, Finance and Compliance to align priorities.

Skills

Product management

Analytical thinking

Stakeholder management

PRD writing

APIs

Education

Bachelor's degree in Computer Science, Engineering, Business, Information Systems, or related field

Tools

System integrations

Job description

Kredivo is looking for a Product Manager – Core Banking (Loan) to join our Product team in Jakarta. This role reports to the Lead Product Manager – Core Banking and will be responsible for building and scaling the core loan platform that powers Kredivo's lending products across multiple markets.
As a Product Manager, you will work closely with Engineering, Design, Data, Operations, Risk, Finance, Business Development, and other cross-functional teams to deliver reliable, scalable, and compliant lending capabilities. You will own products from discovery through launch, balancing customer needs, business priorities, and technical considerations while driving execution across multiple stakeholders.

About the job:

• Own the end-to-end product lifecycle, from problem discovery, solution design, PRDcreation, development, launch, and post-launch monitoring.
• Define product requirements and work closely with Engineering and Design to deliverhigh-quality product solutions.
• Partner with stakeholders across Product, Engineering, Business, Operations, Risk,Finance, and Compliance to align priorities and ensure successful delivery.
• Analyze customer behavior, operational metrics, and business performance to identifyopportunities and drive product improvements.
• Prioritize initiatives based on customer impact, business value, engineering effort, andstrategic objectives.
• Drive the delivery of scalable lending platform capabilities across multiple countries andbusiness partners.
• Monitor product performance after launch and continuously optimize based on data anduser feedback.
• Manage product roadmaps while balancing short-term business needs with long-termplatform investments.
• Ensure product solutions comply with local regulations and internal governancestandards across different markets.

About you:

• 3–6 years of Product Management experience, preferably in fintech, banking, lending,payments, or other technology-driven companies.
• Strong analytical and problem-solving skills with the ability to make data-informeddecisions.
• Experience writing clear Product Requirement Documents (PRDs), user stories, andacceptance criteria.
• Comfortable working with engineers and able to understand technical concepts, APIs,system integrations, and platform architecture.
• Excellent stakeholder management and communication skills, with the ability to influencewithout direct authority.
• Ability to manage multiple initiatives simultaneously in a fast-paced environment.
• Bachelor's degree in Computer Science, Engineering, Business, Information Systems, ora related field is preferred.
• Experience in lending, credit, banking, or financial services is a strong advantage.
• Experience working on platform products or B2B integrations is a plus.

If you're excited about solving complex lending problems, building scalable financial products, and working with talented teams across Southeast Asia, we'd love to hear from you!