Product Owner

PT Nusa Satu Inti Artha; Jakarta Selatan; On-site; IDR 200.000.000 - 300.000.000; Full time

Job summary

A fintech company is seeking a Product Owner to lead the design and management of fraud detection systems. You will prioritize product features, collaborate with tech teams, and ensure compliance with regulatory standards. Must have strong analytical skills, a relevant degree, and experience in fintech or fraud technology. Join us to innovate payment solutions and minimize risks in Indonesia's fast-paced financial landscape.

Qualifications

• 1+ years of experience as a Product Owner or related role.
• Experience in fintech, payments, e-money, or fraud/risk technology.
• Hands-on experience with fraud detection tools.

Responsibilities

• Drive development of the Fraud Detection System.
• Prioritize product backlog features.
• Collaborate with technical teams during development and testing.

Skills

Analytical thinking

Strong communication skills

Problem-solving skills

Leadership skills

Detail-oriented

Education

Bachelor’s degree in Computer Science

Bachelor’s degree in Information Systems

Bachelor’s degree in Finance

Bachelor’s degree in Risk Management

Tools

SQL

Fraud detection tools

Transaction monitoring systems

Job description

The Product Owner will lead the design, development, optimization, and lifecycle management of fraud detection system capabilities, ensuring compliance with regulatory requirements and minimizing financial and operational risks across all payment channels, including E-Money and Transfer Services.

Job Responsibility

• Own and drive the end-to-end development of the Fraud Detection System
• Act as the primary decision‑maker for product backlog priorities
• Ensure features meet business, operational, and compliance needs
• Conduct product discovery, research, and competitor analysis
• Collaborate with tech teams during design, development, and testing
• Track KPIs such as fraud loss rate, false positive rate, detection accuracy
• Lead cross-functional working groups for fraud strategy alignment
• Align fraud system performance with AML/CTF regulations
• Align fraud system performance with chargeback and dispute handling processes
• Balancing Security, Experience, and Cost: Optimize the fraud detection system to minimize financial losses without creating excessive friction for legitimate customers or incurring unsustainable operational costs from manual reviews
• Operating Under Stringent Regulation: Ensure all system changes and strategies strictly comply with complex, multi‑jurisdictional regulatory frameworks (AML/CTF, data privacy) while maintaining system agility
• Translating Complex Data into Action: Make high‑stakes prioritization decisions based on analysis of large, sometimes ambiguous, datasets to predict and prevent future fraud patterns effectively

Technical Competency

• Strong understanding of payment gateway architecture
• Knowledge of e‑money operations and fund transfer flows
• Familiarity with:
• AML/CTF frameworks
• Scoring engines
• Machine‑learning concepts for fraud modeling
• API design and integration
• Ability to analyze large datasets and fraud patterns
• Understanding of chargebacks, disputes, and risk operations
• Knowledge of regulatory frameworks (PCI‑DSS, local payment regulations, data privacy laws)
• Ability to understand technical code and SQL queries
• Ability to create reports using SQL on Metabase

Soft Competency

• Strong analytical and critical‑thinking skills
• Excellent communication with technical and non‑technical stakeholders
• Problem‑solving and decision‑making ability under pressure
• Leadership and stakeholder management
• Detail‑oriented with strong organizational skills
• Ability to translate complex technical concepts into business language
• Resilience and adaptability in a fast‑paced environment

Job Specification

• Bachelor’s degree in Computer Science, Information Systems, Finance, Business, Risk Management, or related fields
• 1+ years of experience as a Product Owner or related role
• Experience in fintech, payments, e‑money, banking, or fraud/risk technology
• Hands‑on experience working with fraud detection tools, transaction monitoring systems, or rule engines
• Demonstrated ability to work with engineering, data, and compliance teams

About the Company

DOKU, founded in 2007, has a well‑established track record in designing, integrating, and optimizing commerce transaction systems for local and international merchants across various industries. We strive to lead the innovation of electronic payment solutions in Indonesia, pioneering the introduction and use of non‑cash payments as part of a new lifestyle for individuals and businesses. We provide electronic payment processing—online and in mobile applications—enabling e‑commerce merchants of any size to accept a wide range of payment options, from credit cards to emerging payment types. Our solutions are enhanced with advanced risk management features, are PCI DSS Level 1 compliant, and we are licensed operators for e‑money and remittance.