Senior Product Manager - Lending Platform

GoTo Financial; Jakarta Utara; On-site; IDR 300.000.000 - 400.000.000; Full time

Job summary

A leading financial services provider in Indonesia is looking for a Product Manager for their Lending Platform. The role involves building and managing product features to provide access to credit for users. The ideal candidate will have 7+ years of experience in mid-end and back-end systems, strong communication skills, and fluency in Mandarin and English. Join a multicultural team dedicated to financial inclusion.

Qualifications

• At least 7 years of hands-on experience working with tech & business teams.
• Expertise in mid-end and back-end systems.
• Good understanding of system architecture.
• Familiar with best software solutions in the industry.
• Experience in PDLC, including testing and UI/UX design.

Responsibilities

• Build and deliver mid-end and back-end platform solutions.
• Take ownership of product portfolio.
• Ensure quality product specifications.
• Advocate for customer-first products.
• Drive product decisions using analytics.

Skills

Experience with tech & business teams

Knowledge of mid-end and back-end systems

Data analytics

Communication skills

Fluent in Mandarin

Fluent in English

Job description

We are here as a team to provide Buy Now Pay Later services to empower our clients to use our services to achieve business goals. We make these features available to other businesses through our partnership with either a set of API services or the feasible Superapp, with an umbrella of services spanning e-commerce, payments, courier services, ride-hailing, food delivery, and other options. As the Product Manager for Lending Platform, you will work closely with Business, Risk, Engineers, Analysts, Designers, and Project management to first help build, and eventually fully own new & exciting features, products & services that will allow us to provide access to credit to a huge amount of active users.

What You Will Do

• Build and deliver world-class mid-end and back-end platform solutions to empower multiple financial businesses, covering eg.: transaction, credit core, user management, fund management, and payment systems.
• Take full ownership of the product portfolio, conceptualizing, planning, building, and managing end-user experiences related to the product.
• Ensure the tech team understands the specifications to deliver a quality product.
• Ensure optimal user experience, security & compliance with regulations.
• Stakeholder management & collaboration across the region.
• Be the voice of the user and advocate for customer-first products while moving the needle on high-impact problem spaces.
• Understand the evolving needs and challenges of the consumer and merchants, and tailor the product to meet those needs.
• Drive product decisions using data analytics, A/B testing, and user insights to achieve measurable outcomes.

What You Will Need

• At least 7 years of hands‑on experience working with tech & business teams, with expertise in mid‑end and back‑end systems and functional systems, including but not limited to transaction systems, credit core, fund management, account management, payment gateway, etc.
• Familiar with the industry's best software solutions.
• Knowledge about PDLC and experience at various stages, including testing, UI/UX design.
• Good understanding of the mid‑end and back‑end system architecture.
• Good communication skills to communicate with regional stakeholders.
• Fluent communication in Mandarin is a must.
• Fluent communication in English will be better.

About the Team

You will join a team with multi-location offices and a multi-cultural environment. The team members here are full of passion and open‑mindedness, and the purpose of the team is to construct and manage an entire set of macro services to support multiple financial businesses.

About GoTo Group

GoTo Group is the largest digital ecosystem in Indonesia with its mission to “Empower Progress” by offering technological infrastructure and solutions for everyone to access and thrive in the digital economy. The GoTo ecosystem consists of on‑demand transportation services, food and grocery delivery, logistics and fulfillment, as well as financial and payment services through the Gojek and GoTo Financial platforms. It is the first platform in Southeast Asia that hosts these crucial cases in a single ecosystem, capturing the majority of Indonesia’s vast consumer household.

About Gojek

Gojek is Southeast Asia’s leading on‑demand platform and pioneer of the multi‑service ecosystem with over 2.5 million driver partners across the regions offering a wide range of services such as transportation, food delivery, logistics and more. With its mission to create impact at scale, Gojek is committed to resolving consumer problems and raising standards of living by connecting consumers to the best providers of goods and services in the market.

About GoTo Financial

GoTo Financial accelerates financial inclusion through its leading financial services and merchants solutions. Its consumer services include GoPay and GoPayLater and serve businesses of all sizes through Midtrans, Moka, GoBiz Plus, GoBiz, and Selly. With its trusted and inclusive ecosystem of products, GoTo Financial is open to new growth opportunities and aims to empower everyone to Make It Happen, Make It Together, Make It Last.

GoTo and its business units, including Gojek and GoToFinancial (“GoTo”) only post job opportunities on our official channels on our respective company websites and on LinkedIn. GoTo is not liable for any job postings or job offers that did not originate from us. You should conduct your own due diligence to prevent being victims of any fake job scams, if they did not originate from GoTo's official recruitment channels.

#LI-ONSITE

Imagine having a beautiful product that you create being launched to the public. Then visualize more than 55 million active users, over 14 million merchants, and more than 2.5 million driver partners benefiting from it: greater efficiency, easier access to financial services, better earnings, and more.