Senior Product Manager - Lending

Key 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

Qualifications

• 5+ years of product management experience, with at least 3 years in lending, credit, or financial services
• Strong understanding of lending mechanics: credit scoring, underwriting, disbursement, collections
• Experience with SMB or micro-lending products strongly preferred
• Data-driven mindset — comfortable with credit metrics (NPL, PAR, approval rate, default rate)
• Understanding of OJK regulations for lending (P2P or multifinance)
• Strong analytical skills — can analyze portfolio performance and make data-driven decisions
• Experience balancing growth with risk management
• Excellent communication skills — can work with technical and business stakeholders
• Experience in agile methodologies
• Prior experience in leveraging AI or building products with AI strongly preferred