Senior Product Manager - AI-Driven Lending Growth

BukuWarung; Jakarta Pusat; On-site; IDR 600,000,000 - 1,200,000,000; Full time

Job summary

BukuWarung is seeking a Senior Product Manager to own and scale our Lending products, expanding our micro-merchant credit portfolio with accessible, responsible terms.

You will manage end-to-end lifecycle from origination to collections, partnering with Risk and Data Science to build credit models, and work with cross-functional teams to drive growth while preserving portfolio health.

This AI-first team emphasizes leveraging AI tools to multiply output and impact, reporting to the Head of Product.

Qualifications

• 5+ years in product management with 3+ years in lending or financial services.
• Strong understanding of lending mechanics: scoring, underwriting, disbursement, collections.
• Experience with SMB or micro-lending products.
• Data-driven with credit metrics such as NPL, PAR, approval rate, default rate.
• Knowledge of OJK lending regulations (P2P or multifinance).
• Strong analytical and risk-management balance.

Responsibilities

• Own Lending Product Roadmap: Define and execute the product strategy for loan origination, credit assessment, disbursement, repayment, and collections
• Scale Lending Portfolio: Drive growth in loan disbursements while maintaining healthy portfolio quality (NPL, default rates)
• Credit Product Innovation: Develop new lending products tailored to micro-merchant needs (e.g., working capital loans, inventory financing, revenue-based financing)
• Credit Decisioning: Partner with Data and Risk to improve credit scoring models, reduce fraud, and optimize approval rates
• Regulatory Compliance: Ensure lending products comply with OJK regulations and responsible lending practices
• Cross-Functional Collaboration: Work closely with Risk, Data, Engineering, Collections, and Business teams to deliver on roadmap
• Define Success Metrics: Establish and track KPIs including disbursement volume, approval rate, NPL ratio, collection rate, and customer satisfaction

Skills

Product management

Lending domain knowledge

Credit decisioning

Data-driven

Agile methods

Risk & Data collaboration

Communication skills

Analytical skills

Job description

BukuWarung is seeking a Senior Product Manager to own and scale our Lending products, expanding our micro-merchant credit portfolio with accessible, responsible terms.

You will manage end-to-end lifecycle from origination to collections, partnering with Risk and Data Science to build credit models, and work with cross-functional teams to drive growth while preserving portfolio health.

This AI-first team emphasizes leveraging AI tools to multiply output and impact, reporting to the Head of Product.