Senior Product Manager (Mid-Market Merchants)

BukuWarung; Jakarta Pusat; On-site; IDR 350,000,000 - 700,000,000; Full time

Job summary

BukuWarung is seeking a Senior Product Manager to own Retail products for mid-market merchants—multi-outlet shops, mini-markets and small chains—focusing on QRIS payment acceptance and expanding retail capabilities.

You will define the segment, size the opportunity with the Business team, adapt proven retail products, and scale merchant acquisition while collaborating with partners and merchants across SEA.

Qualifications

• 5+ years of product management experience.
• Experience in fintech, fintech ops, payments, or financial services strongly.
• Experience in working with merchants hands-on.
• Experience in growth problems.
• Experience with SEA markets and taking a product into a new segment.
• Understanding of payment acceptance, merchant acquiring, or retail payments.
• Strong analytical skills and data-driven prioritization.

Responsibilities

• Own Retail Product: Define and execute the product roadmap for QRIS and retail payment acceptance.
• Segment Definition & Adaptation: Define the mid-market segment and adapt retail products to it.
• Merchant Acquisition: Drive merchant onboarding and activation.
• Partner Integration: Enable seamless payment acceptance with partners and acquirers.
• Define Success Metrics: Track KPIs including active merchants, transaction volume, and merchant retention.
• Cross-Functional Collaboration: Work with Engineering, Design, Operations, and Business teams.
• User Research: Understand merchant needs, pain points, and behaviors.

Skills

Product management

Analytics

User research

Cross-functional collaboration

Agile methodologies

Job description

About Us

Some background about the company: the BukuWarung app helps MSME merchants manage their businesses by tracking all their transactions including credit, expense and sales, inventory, and helping merchants get cash flow visibility through business reports.

BukuWarung has been used by 6.5 million+ users across 750+ locations. They are already recording over $15 million worth of transactions, and processing $1.2 billion in payments. With their high market penetration, they are already leading the market with over 95% market share.

BukuWarung is backed by top tier VCs globally: Y-Combinator, AC Ventures, Quona Capital, East Ventures, Golden Gate Ventures, Rocketship.vc, Tanglin Venture Partners and other strategic angel investors.

Role Summary

We are looking for a senior product manager to own our Retail products for mid-market merchants — multi-outlet shops, mini-markets and small chains that sit above the single-owner warung our product was built for. This is a new segment for us, and a high-impact role where you will drive the growth of QRIS (QR payments) acceptance and the wider retail product for these merchants.

You will be responsible for defining the segment, sizing the opportunity with the Business team, and adapting our proven retail products to it, working closely with partners and scaling merchant acquisition. This is an opportunity to own a new segment from zero.

Key Responsibilities

• Own Retail Product: Define and execute the product roadmap for QRIS and retail payment acceptance
• Segment Definition & Adaptation: Define the mid-market segment and adapt retail products to it — multi-outlet operation, staff roles and permissions, settlement and reconciliation, and integration with the systems these merchants already run
• Merchant Acquisition: Partner with Business and Operations teams to drive merchant onboarding and activation
• Partner Integration: Work with payment partners and acquirers to enable seamless payment acceptance
• Define Success Metrics: Establish and track KPIs including active merchants, transaction volume, and merchant retention
• Cross-Functional Collaboration: Work closely with Engineering, Design, Operations, and Business teams to deliver on roadmap
• User Research: Understand merchant needs, pain points, and behaviors to inform product decisions

Qualifications

• 5+ years of product management experience
• Experience in fintech, fintech ops, payments, or financial services strongly
• Experience in working and interacting with merchants hands-on
• Experience in having worked on a growth problem
• Experience with SEA markets, and with taking a product into a new segment or
• Understanding of payment acceptance, merchant acquiring, or retail payments
• Strong analytical skills — comfortable with data-driven prioritization and metrics
• Experience working with external partners and integrations
• Ability to work autonomously in a fast-paced, ambiguous environment
• Excellent communication skills — can work effectively across remote teams
• Strong user research skills — comfortable conducting interviews, usability tests,
• Experience in agile methodologies

AI Mindset

At BukuWarung, we are an AI-first product team. We expect all PMs to leverage AI tools to multiply their output and impact. Prior experience in leveraging AI or building products with AI strongly preferred.