Who We Are
PT Kredit Biro Indonesia Jaya (Credit Bureau Indonesia, CBI) as one of the private credit bureaus in Indonesia has been established since 2014 and obtained an operational license from Otoritas Jasa Keuangan (OJK) as
Lembaga Pengelola Informasi Perkreditan (LPIP) in 2015.
In November 2021, after obtaining approval from OJK, CBI received additional capital from shareholders and appointed a new management team, which aims to provide new and leading-edge services and products. This new identity will also strengthen CBI's position as the best-in-class, modern and innovative credit bureau in Indonesia.
CBI is a trailblazer in the credit bureau industry, dedicated to fostering a culture of excellence and innovation. We believe in the power of a talented and diverse team to bring cutting-edge solutions to our clients and contribute to the overall success of the financial landscape in Indonesia.
Why Join Us
- Innovative Environment: Continuously investing in cutting-edge technologies, including the powerful realm of artificial intelligence, your role becomes a pivotal part of our journey into the dynamic and evolving landscape of financial services. Being part of our innovative environment is your gateway to an exciting and forward-thinking career
- Impactful Work: We offer more than just a job; we provide an opportunity to play a crucial role in shaping the financial future of individuals and businesses across the nation. As a licensed credit bureau, our commitment to accuracy, reliability, and timeliness sets the stage for impactful work
- Professional Development: We are committed to the growth of our employees. Join a team that encourages continuous learning and offers opportunities for career advancement.
- Collaborative Culture: Work in a collaborative and inclusive environment where your ideas are valued, and teamwork is key to achieving our goals.
Role Overview
We are seeking a driven and execution-oriented Product Manager to join Credit Bureau Indonesia (CBI) to manage and enhance Bureau B2B products while supporting selected D2C initiatives under Skorku. This role will work closely with cross-functional teams including engineering, commercial, operations, compliance, and external partners to deliver scalable, compliant, and customer-focused fintech products.
The ideal candidate brings strong experience across fintech, banking, lending, credit bureau, B2B SaaS, or API-driven platforms, with a proven track record of driving product execution in fast-paced environments. This individual is highly analytical, commercially minded, technically proficient, and able to work effectively with cross-functional stakeholders across engineering, data, operations, compliance, business teams, and external partners, while independently managing priorities, influencing senior stakeholders, and balancing strategic product direction with hands-on execution.
Job Description
- Lead the development, enhancement, and execution of Bureau B2B products.
- Drive product roadmap planning and prioritization aligned with business objectives, customer needs, and market opportunities.
- Gather, analyze, and prioritize requirements from banks, fintech companies, enterprise clients, and internal stakeholders.
- Prepare PRDs/BRDs, user stories, API requirements, workflows, and UAT test cases to support product development and delivery.
- Collaborate closely with engineering, data, operations, compliance, and commercial teams to ensure scalable and successful product implementation.
- Monitor product performance metrics including adoption, API latency, hit rate, operational efficiency, and revenue impact, and identify areas for improvement.
- Conduct market and competitor research across fintech, credit bureau, and AI ecosystems to identify trends and product opportunities.
- Support product demos, proof-of-concept (POC) initiatives, client onboarding, and commercial discussions with internal and external stakeholders.
- Support selected D2C initiatives, including embedded finance partnerships and mini-app experiences.
Qualifications
- Bachelor's degree in Computer Science, Engineering, Information Systems, Business, Data Analytics, or related fields.
- 5–8 years of Product Management experience, preferably in fintech, banking, lending, credit bureau, B2B SaaS, risk products, or API-based platforms.
- Proven experience managing B2B digital products, system integrations, and enterprise client requirements.
- Strong capability in preparing PRDs/BRDs, user stories, workflows, functional specifications, and UAT documentation.
- Good understanding of APIs, product workflows, system architecture, and collaboration with engineering teams.
- Strong analytical, problem-solving, stakeholder management, and communication skills.
- Experienced in roadmap execution, prioritization, SIT/UAT coordination, and post-launch monitoring.
- Fluent in English, both written and verbal, is mandatory.
- Able to work independently in a fast-paced and collaborative environment.
Preferred
- Experience in credit bureau, lending, alternative data, embedded finance, or consumer fintech products.
- Familiarity with Indonesia's financial services ecosystem and OJK-related regulations.
- Experience managing both B2B and consumer-facing product initiatives.
- Exposure to AI-related products, recommendation engines, or productivity tools such as ChatGPT, Cursor, Figma, Jira, and Confluence.
- Strong presentation, communication, and client management skills.
