Senior Product Manager

Kredit Pintar; Jakarta Selatan; On-site; IDR 240,000,000 - 420,000,000; Full time

Job summary

Kredit Pintar is seeking a front-end & user-obsessed Product Manager to drive cash-lending products. You will design front-end experiences that pair with robust backend state flows, and you will collaborate with engineering, risk, and compliance to balance user delight with risk controls.

Ideal candidates have 3–5+ years in product management, a track record of delivering full product cycles in fintech, strong front-end UX instincts, and hands-on experience with AI-enabled features.

Qualifications

• 3–5+ years Product Management experience in fintech/cash loans
• Proven track record delivering 2–3 full product cycles from concept to scale
• Deep working knowledge of lending product flows, risk, and compliance
• Strong front-end & UX intuition and collaboration with developers
• Practical experience building AI-enabled products with shipped features
• Fluent in English

Responsibilities

• Own end-to-end product vision: front-end experiences with robust backend state flows and decision engines
• Lead product development from roadmap to launch and post-launch KPI tracking
• Partner with engineering, risk, operations, and compliance to balance user experience with risk controls
• Integrate AI capabilities (recommendation, eligibility, chat) into production features

Skills

Product management

Front-end UX

Technical collaboration

AI-enabled products

Data-driven

English proficiency

Fintech domain

Education

Bachelor’s degree in Business/Finance/Engineering/CS

Job description

Kredit Pintar is one of Indonesia’s leading digital lending platforms that is licensed, registered, and supervised by the Financial Services Authority (OJK). Kredit Pintar has over 10 million downloads and a 4.4-star rating on Google Play. Kredit Pintar is part of Atome Financial, a leading fintech company with extensive experience in consumer finance and promoting financial inclusivity through artificial intelligence technology.

We are committed to leveraging AI technology to improve life of Indonesia's underbanked communities by offering users fast, secure, and affordable loan options.

As part of the Advance Intelligence Group, a Series-D company and ranked among LinkedIn's Top 15 Startups in Singapore in 2022 (the third year in a row we've been on the list), with over 2,000+ staff worldwide, we are united by a shared vision and purpose: to advance with intelligence for a better life—for our customers, colleagues, and communities.

Our culture is built on values that are core to who we are and what we stand for:

• We foster an INNOVATION mindset
• We achieve results with EFFICIENCY and excellence
• We take pride in the QUALITY of our work
• We uphold INTEGRITY in all we do
• We embrace COLLABORATION to work across business lines and borders

We’re looking for a front-end & user-obsessed Product Manager with deep experience in cash-lending products someone who thinks in complete user journeys, collaborates fluently with engineering, and has built practical AI features into live products. You’ll balance delightful user experiences with rigorous risk, compliance, and backend reliability.

Job Descriptions

Product Strategy & Vision

• Own end-to-end product vision: design front-end experiences that build trust alongside robust backend state flows, decision engines, and integrations
• Identify market opportunities by triangulating user needs → technical feasibility → regulatory & risk boundaries
• Define and champion AI-enabled product directions from personalized onboarding to smarter credit decisioning with proven practical application, not just concept
• Align cross-functional teams (engineering, risk, operations, compliance) around shared, measurable product goals

Market & User Insights

• Conduct deep-dive research into customer behavior, competitor lending flows, and evolving financial regulations in Indonesia
• Translate insights into actionable improvements: simplify borrowing journeys, reduce drop‑off, and strengthen risk controls
• Surface unmet needs where AI or data‑driven personalization can create clear competitive advantage

Product Delivery & Ownership

• Write precise requirements capturing both front-end UX logic and backend system behavior: validations, state transitions, error handling, and decision workflows
• Lead product development end-to-end: from roadmap → PRD → design reviews → UAT → launch → post‑launch KPI tracking & iteration
• Partner closely with engineering teams: you speak their language, challenge trade‑offs, and champion front‑end excellence alongside system performance
• Integrate AI capabilities recommendation, eligibility, chat/assistance into real, production‑ready features

Job Requirements

Must‑Have Qualifications

• 3–5+ years Product Management experience, with direct experience in cash loans, consumer lending, or fintech
• Proven track record delivering 2–3 full product cycles from concept to scale
• Deep working knowledge of: lending product flows, credit assessment, risk management, and lending compliance
• Strong front‑end & UX intuition: you critique wireframes, understand conversion drivers, and advocate for accessible, intuitive interfaces
• Technically confident: you collaborate effectively with developers and architects on system design and feasibility
• Practical experience building or launching AI‑enabled products with shipped features, not just theoretical work
• Data‑driven: you define clear KPIs and make decisions backed by metrics
• Fluent in English

Preferred / Strong Plus

• Mandarin language proficiency
• Experience in Indonesian fintech / P2P lending regulatory environment
• Hands‑on exposure to AI/ML tools, personalization engines, or predictive modeling in production
• Bachelor’s degree in Business, Finance, Engineering, Computer Science, or related field