Product Manager - Lending

Fazz; Jakarta Timur; Hybrid; IDR 167,400,000 - 279,000,000; Full time

Benefits offered by this job

Competitive salary & performance bonus

Private health insurance

Paid annual leave & sick leave

Hybrid / flexible working arrangement

Career growth opportunities

Laptop / work equipment provided

Team bonding & company events

Dynamic and collaborative work environment

Job summary

A leading fintech company in Jakarta Timur seeks a Product Manager to oversee the product lifecycle for lending products. The role involves defining a product roadmap, collaborating with various teams, and optimizing credit policies while ensuring compliance. Candidates should have 2–4 years of relevant experience, excellent stakeholder management skills, and a data-driven approach to decision-making. Benefits include a competitive salary, hybrid work opportunities, and a collaborative environment.

Qualifications

• 2–4 years of product management experience in lending, credit, fintech, or consumer financial services.
• Excellent stakeholder management and ability to align cross-functional teams.
• Data-driven decision-making using metrics and insights.

Responsibilities

• Own the end-to-end product lifecycle for lending products.
• Develop and experiment with credit policies and pricing strategies.
• Collaborate with teams to design scalable lending flows.

Skills

Product management experience

Stakeholder management

Data-driven decision making

Job description

Responsibilities

• Own the end-to-end product lifecycle for consumer and merchant lending products.
• Define and execute the product roadmap to grow loan origination, improve portfolio quality, and drive engagement across consumer and merchant segments.
• Collaborate with credit risk, compliance, operations, and engineering teams to design lending flows that are intuitive, scalable, and compliant.
• Develop and experiment with credit policies, pricing strategies, and loan structures to optimize for uptake and repayment.
• Work with data teams to track product performance and cohort behavior; use insights to iterate and improve key KPIs such as approval rate, conversion rate, and delinquency.
• Partner with commercial and marketing teams to discover new lending opportunities in the broader Fazz ecosystem.
• Champion the customer—ensuring our lending products are trusted, accessible, and create positive impact.

Job Requirements

What We Are Looking For:

• 2–4 years of product management experience in lending, credit, fintech, or consumer financial services (startup or fast-growth company preferred).
• Thrives in fast-moving environments with shifting priorities and the ability to turn ambiguity into action.
• Experience building or scaling digital credit products (e.g., personal loans, SME loans, BNPL, working capital).
• Understanding of key lending principles: risk management, underwriting, collections, and regulatory compliance.
• Strong ownership mindset, you take initiative, drive products from 0 to 1, and scale them with long-term sustainability in mind.
• Excellent stakeholder management, skilled at aligning cross-functional teams and engaging senior leaders. You swiftly remove blockers and drive clear decisions in fast-paced, high-stakes environments.
• Data-driven decision-making, you rely on metrics and insights to prioritize effectively, experiment boldly, and continuously improve.

Benefits

• Competitive salary & performance bonus
• Private health insurance
• Paid annual leave & sick leave
• Hybrid / flexible working arrangement
• Career growth opportunities in a fast-growing fintech company
• Laptop / work equipment provided
• Team bonding & company events
• Dynamic and collaborative work environment