Kredit Pintar is one of Indonesia's leading digital lending platforms that is licensed, registered, and supervised by the Financial Services Authority (OJK). Kredit Pintar has over 10 million downloads and a 4.4-star rating on Google Play. Kredit Pintar is part of Atome Financial, a leading fintech company with extensive experience in consumer finance and promoting financial inclusivity through artificial intelligence technology.

We are committed to leveraging AI technology to improve life of Indonesia's underbanked communities by offering users fast, secure, and affordable loan options.

As part of the Advance Intelligence Group, a Series-D company and ranked among LinkedIn's Top 15 Startups in Singapore in 2022 (the third year in a row we've been on the list), with over 2,000+ staff worldwide, we are united by a shared vision and purpose: to Advance with Intelligence for a Better Life--for our customers, colleagues and communities.

Our culture is built on values that are core to who we are and what we stand for:

We foster an INNOVATION mindset
We achieve results with EFFICIENCY and excellence
We take pride in the QUALITY of our work
We uphold INTEGRITY in all we do
We embrace COLLABORATION to work across business lines and borders

We're looking for a Product Manager with a strong backbone in lending products and backend systems to help drive our product vision from concept to execution. You'll play a critical role in shaping both the customer journey and the internal systems that power it across onboarding, decisioning, approval, and post-loan servicing.

If you thrive at the intersection of business logic, system design, and cross-functional collaboration, this role is for you.

Job Descriptions

Product Strategy & Vision

Shape product vision with end-to-end user journeys and backend flows in mind
Identify market opportunities by balancing user needs with tech feasibility
Align product direction with engineering, risk, operations, and compliance

Market Research & Insights

Dive deep into customer behavior, competitor moves, and regulatory landscapes
Surface insights to improve backend processes and uncover product opportunities

Product Development

Write clear product requirements capturing both UX and internal system logic
Map full user journeys and backend behaviors (state transitions, validations, etc.)
Collaborate closely with engineering, risk, data, and compliance to ensure the product is both delightful and robust
Own features end-to-end: from documentation to UAT to post-launch tracking

Job Requirements

2–5+ years of Product Management experience, ideally in financial services or fintech
Strong track record of delivering at least 2–3 full product cycles
Deep understanding of cash loan products, lending flows, and risk management
Technically savvy: you can engage confidently with developers and system architects
Data-driven mindset with sharp analytical skills
Fluent in English; Mandarin is a strong plus
Comfortable working in a fast-paced, multicultural team
Bachelor's degree in Business, Finance, Engineering, or a related field

Senior Product Manager (Digital Lending)