Bukuwarung
Bukuwarung Senior Product Manager: Lending
Bukuwarung is the leading digital bookkeeping and payments app for MSMEs in Indonesia, driving financial inclusion through technology.
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5 minutes to evaluate. 6 months of representation.
What is Bukuwarung?
Bukuwarung is an all-in-one financial app that helps Indonesian MSMEs digitize their bookkeeping and payments. The platform enables small business owners to track sales, manage credit, and accept digital payments seamlessly.
You'll be a good fit if you have
- At least 5+ years of product management experience, with a minimum of 3 years in lending, credit, or financial services.
- Deep understanding of lending mechanics including credit scoring, underwriting, disbursement, and collections.
- Proven experience with SMB or micro-lending products is highly preferred.
- A data-driven mindset with a strong ability to analyze credit metrics such as NPL, PAR, approval rates, and default rates.
- Familiarity with OJK regulations for lending, especially within P2P or multifinance settings.
- Excellent communication skills with the ability to work effectively with both technical and business stakeholders.
- Experience in agile methodologies and a demonstrated ability to balance rapid growth with risk management.
- An AI-first mindset with prior experience leveraging AI tools to enhance product development and impact is a strong plus.
Key Responsibilities
- Own the lending product roadmap by defining and executing strategies for loan origination, credit assessment, disbursement, repayment, and collections.
- Drive portfolio growth while maintaining healthy quality metrics such as non-performing loan (NPL) ratios and default rates.
- Innovate by developing new lending products tailored to micro-merchant needs, including working capital loans, inventory financing, and revenue-based financing.
- Partner with Data and Risk teams to enhance credit scoring models, reduce fraud, and optimize approval rates.
- Ensure all lending products comply with OJK regulations and adhere to responsible lending practices.
- Collaborate cross-functionally with Risk, Data, Engineering, Collections, and Business teams to deliver on the product roadmap.
- Define and track key performance indicators including disbursement volume, approval rates, NPL ratios, collection rates, and customer satisfaction.
This is not a cold application
You're in the top 1%. We represent you to Bukuwarung. Not the other way around.
Impact at scale
Digitizing the backbone of the Indonesian economy.
Why Bukuwarung
Over 60 million micro-businesses in Indonesia are the backbone of the economy but remain largely underserved by traditional banks.
Bukuwarung provides the digital ledger and payment infrastructure these merchants need to build a credit history and join the formal economy.
Problems that matter. Company that matters. Infrastructure that matters.
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