Job Description
- Product Management & Ownership
- Own the end-to-end product vision, strategy, and roadmap for the embedded banking product line across IOH ecosystem.
- Translate business goals and user needs into clear requirements, user journeys, and specifications (functional specs, use cases, acceptance criteria).
- Prioritize the backlog, make scope and phasing trade-offs, and drive product decisions from discovery through release and post-launch iteration.
- Champion security, compliance, and CX-by-design given the regulated banking context (data protection, fraud handling, audit and control requirements).
- Own product success metrics and continuously steer the product toward them.
- Project Management
- Drive delivery across the full product lifecycle within acceptable timelines and release gates.
- Build and maintain project plans, milestone trackers, and critical-path views; manage dependencies, risks, and blockers proactively.
- Run recurring working sessions and steering updates; keep a single source of truth and clear, accurate ownership (PIC/ETA) on every action item.
- Manage escalations (technical, security, contractual, partner-side) to keep delivery on track.
- Data, Insight & Market Research
- Lead product discovery through market research, focus groups, and field/market visits to validate value propositions and shape features.
- Use data and analytics to inform prioritization, define KPIs, and measure product performance.
- Partner with data and finance team on reporting, reconciliation, and performance dashboards across both product areas.
- Turn quantitative and qualitative insight into actionable product improvements and leadership-ready narratives.
- Stakeholder & Cross-Functional Alignment
- Serve as the primary product liaison to the partner: aligning on scope, timelines, technical integration, data sharing, and go-to-market.
- Coordinate a broad internal stakeholder.
- Define and maintain clear responsibility splits across organizations for the end-to-end user journey.
- Produce weekly, leadership, and executive-level updates that surface progress, risks, and decisions for senior audiences.
Qualifications
- Required
- 5+ years in product management, ideally in fintech, digital banking, payments, or telco financial products.
- Proven ownership of a product from concept -launch-to-operational, including cross-functional and partner-led delivery.
- Strong project/program management skills: planning, dependency and risk management, and driving to deadlines across teams.
- Data-informed product sense; comfortable defining KPIs and working with analytics.
- Excellent stakeholder management and communication.
- Comfort operating in regulated environments (financial compliance, security, data privacy).
- Fluent in Bahasa Indonesia and professional English.
- Preferred
- Experience with bank or financial-institution partnerships, API-based integrations, and app-embedded financial services.
- Familiarity with agent/retailer distribution models and go-to-market in the Indonesian market.
Job Responsibilities
Product Management & Development
Product Management and Innovation
