Senior Product Manager – Lending Core

Boost Indonesia; Daerah Khusus Ibukota Jakarta; On-site; IDR 360,000,000 - 720,000,000; Full time

Job summary

Boost Indonesia is seeking a Senior Product Manager to shape strategy and drive the development of core digital lending products. You will own end-to-end lifecycle from onboarding to disbursement, working with cross-functional teams to deliver scalable solutions.

You will focus on customer journeys, conversion optimization, and data-driven decision making, with emphasis on regulatory awareness and risk-based pricing. This role offers growth in a fintech environment.

Qualifications

• Minimum 4 years in Product Management, fintech or related.
• Proven track record in consumer or SME lending products.
• Experience with end-to-end lending lifecycle.
• Experience designing digital customer journeys (onboarding, e-KYC).
• Strong analytical skills: funnels, cohorts, KPI mgmt.
• Experience with API-based architectures and lending platforms.

Responsibilities

• Define product vision, strategy, and roadmap.
• Identify opportunities for new lending capabilities.
• Translate requirements into scalable product solutions.
• Own product performance and lifecycle improvement.
• Lead customer journey optimization from onboarding to disbursement.
• Collaborate with cross-functional teams (Eng, Design, Risk, Data).

Skills

Product management

Fintech experience

Stakeholder mgmt

Leadership

Data analytics

API familiarity

Lending domain

Onboarding optimization

Education

Bachelor's degree

Tools

LOS/LMS experience

Job description

We are looking for an experienced Senior Product Manager to lead the strategy, development, and continuous improvement of our core digital lending products.

In this role, you will own the end-to-end lending product lifecycle, from customer onboarding and loan application to credit decisioning, approval, disbursement, and loan management.

You will work closely with Engineering, Design, Business, Credit Risk, Data Science, Operations, and Compliance teams to build scalable lending solutions, optimize customer journeys, improve conversion, and drive sustainable business growth.

This is an opportunity to shape the evolution of our digital lending ecosystem across consumer and SME lending.

Key Responsibilities

Define and execute product vision, strategy, and roadmap aligned with business objectives and customer needs.

Identify opportunities to develop new lending capabilities and improve existing products.

Translate business requirements and customer insights into scalable product solutions and measurable outcomes.

Own product performance and drive continuous improvement across the lending lifecycle.

2. Customer Experience & Journey Optimization

Own and optimize the end-to-end customer journey, including registration, onboarding, e-KYC, eligibility assessment, loan application, approval, and disbursement.

Identify customer pain points and conversion bottlenecks through funnel analysis, customer feedback, and usability testing.

Improve onboarding completion, application conversion, activation, and overall customer experience.

Drive experimentation and A/B testing to improve engagement and product adoption.

Lead the development of lending product features, business rules, workflows, and system capabilities.

Oversee product capabilities related to loan configuration, credit limits, interest rates, fees, tenor, installments, and eligibility.

Ensure lending platforms are scalable, configurable, reliable, and adaptable to different customer segments.

Collaborate with Credit Risk and Data Science teams to translate credit policies and underwriting requirements into system capabilities.

4. Data-Driven Product Development

Use product analytics, customer segmentation, funnel analysis, and cohort analysis to identify improvement opportunities.

Monitor key product metrics, including application conversion, approval rate, disbursement conversion, loan utilization, and portfolio growth.

Drive initiatives involving automated underwriting, credit scoring integration, risk-based pricing, and credit limit management.

Lead cross-functional teams to deliver product initiatives from discovery through launch and post-launch optimization.

Develop product roadmaps, PRDs, user stories, acceptance criteria, and execution plans.

Manage prioritization based on customer value, business impact, technical feasibility, and strategic alignment.

Mentor and guide Product Managers while promoting a customer-centric and data-driven product culture.

6. Market & Regulatory Awareness

Conduct market research and competitive analysis to identify product opportunities.

Stay updated on digital lending technologies, industry trends, and best practices.

Ensure product solutions comply with applicable financial services regulations and internal governance standards.

Explore opportunities to leverage APIs, automation, AI, and advanced analytics to improve product capabilities.

Requirements

Bachelor's degree in Engineering, Business, Finance, Information Technology, or a related field.

Minimum 4 years of experience in Product Management, preferably in fintech, digital lending, banking, or financial services.

Proven experience managing and developing consumer lending or SME lending products.

Strong understanding of the end-to-end lending lifecycle, including loan origination, underwriting, credit decisioning, disbursement, and loan management.

Hands-on experience designing and optimizing digital customer journeys, particularly onboarding, registration, e-KYC, and loan application processes.

Solid understanding of lending product mechanics, including interest rates, fees, credit limits, tenor, eligibility, and repayment structures.

Strong analytical capabilities, including funnel analysis, cohort analysis, customer segmentation, A/B testing, and KPI management.

Experience collaborating with Engineering, Design, Credit Risk, Data Science, Business, and Operations teams.

Strong stakeholder management, communication, and problem-solving skills.

Demonstrated ability to lead complex product initiatives from discovery through delivery and optimization.

Familiarity with API-based architectures, lending management systems, automated underwriting, and digital lending platforms.

Preferred Qualifications

Experience with Loan Origination Systems (LOS) and Loan Management Systems (LMS).

Experience integrating credit scoring engines, alternative data, and automated decisioning systems.

Understanding of risk-based pricing, credit limit strategies, and portfolio segmentation.

Experience building configurable lending platforms supporting multiple products or customer segments.

Familiarity with product analytics tools such as Mixpanel, Amplitude, or Google Analytics 4.

Experience conducting usability testing, customer interviews, and product experimentation.

Why Join Us?

Be part of a growing financial technology business where data plays a central role in shaping business strategy, improving lending decisions, optimizing risk, and driving sustainable growth.