Senior Product Owner - Amar Bank Digital

• Who are we?
• Amar Bank is one of the most technologically advanced digital banks in Indonesia. Our leading
• digital lending product, Tunaiku has the distinction of being the first FinTech product in
• Indonesia. We are also the first digital bank on the cloud. As the first profitable digital bank, we
• managed to get listed on the Indonesian Stock Exchange.
• How did we manage to do that?
• We are changing people’s perception of a bank. We believe we are the innovators who combine
• customer focus principles with creating technology-based impact. We incorporate freedom and
• flexibility as part of our startup working culture DNA to encourage innovation in creating better
• financial solutions for the banking industry. We think of ourselves as, ‘A technology company
• with a banking license’. For this reason, we ‘Act like a FinTech, and think like a Bank.’
• How did it all start?
• Founded on March 15, 1991, in Surabaya as PT Anglomas International Bank (Amin Bank), the
• bank was acquired by Tolaram Group and transformed to PT Bank Amar Indonesia (Amar Bank)
• in 2014. It has then undergone a significant digital transformation to become one of the
• country's forerunning fintech institutions through its award-winning digital lending platform,
• Tunaiku.
• Our philosophy, mission, and vision
• Technology must impact lives, must improve lives. We exist to provide banking to those who
• ‘need’ and not only to those who ‘want’. Services when provided to those who need at the time
• of their need brings smiles. Our vision is to bring 200 million smiles.
• More about the bank with startup culture environment
• Consist of 1000+ people, you will meet people who love to grow, dream big, and actually have
• fun at the workplace! We provide a great working environment that pushes people to grow
• outside their comfort zone. People with high drive and ambition find us a very attractive place to
• work as their career growth matches their own drive and not any staid policies. Thus we hold
• the honor of being awarded “Best Place to Work in Indonesia”.
• Recently Amar Bank was awarded as Inspirational Brand from APEA (Asia Pacific Enterprise
• Awards) 2022. Of course, our innovation won't stop here. So if you would love to be a part of it,
• have a growth mindset, and are constantly hungry for challenges, we invite you to join us in our
• journey to ‘Impact Lives’.
• Join us today and create #unlimitedinnovations!

About the position

Senior Product Owner to take on initiatives across our digital banking portfolio: digital banking (retail & business), embedded banking, Tunaiku, or wherever the next priority lands. This isn't a backlog-management role, and it's not a "ship it and move on" role either. The person we're looking for can take a goal and a specific performance measure, then carry both through a full cycle: release, measure, analyze, and reach a documented decision on whether to continue, adjust, or drop it.

You'll sit at the intersection of strategy, data, design, and engineering, turning fairly open-ended business goals ("increase FX transaction volume by 30%", "cut onboarding drop-off in half") into something that actually ships and gets validated. And you stay on the hook for it until there's a real, evidence-backed conclusion, not just a launch announcement.

Requirements

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5+ years in product management/ownership roles, with at least 2 years in mobile digital banking, fintech, or a comparably regulated, high-stakes consumer product environment

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Demonstrated ownership of a product area from ambiguous goal to a documented, evidence-based conclusion, not just feature delivery

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Experience working within compliance/risk-constrained environments (banking, payments, or similarly regulated industries preferred), including adherence to SDLC and formal experimentation standards

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Track record of running rigorous experiments (with proper control groups) and using data to kill, adjust, or scale ideas

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Experience coordinating delivery across multiple functions without direct authority over them

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Comfortable moving across different product areas as priorities shift, and picking up unfamiliar initiatives quickly

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Comfortable operating with a high degree of autonomy and ambiguity

Responsibilities

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Lead end-to-end discovery: customer interviews, market/competitive analysis, and problem validation before committing to solutions

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Coordinate across Product, Design, Research, Engineering, Business, Operations, and Compliance without formal authority, aligning all parties on scope, sequence, and definition of completion

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Partner with engineering to scope technical feasibility, trade-offs, and delivery timelines

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Partner with design on UX flows, critique prototypes, and run usability validation before build

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Work within established SDLC, PRD, and experimentation standards, and raise compliance or risk implications at the earliest opportunity rather than working around them

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Define, prioritize, and continuously groom the product backlog using structured frameworks (RICE, weighted scoring, or equivalent)

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Write clear PRDs, user stories, and acceptance criteria that engineering and design can execute against without ambiguity

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Define the metrics and data behind each assigned measure, and confirm they represent what they're intended to before drawing conclusions

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Design and run experiments (A/B tests, phased rollouts) with proper control groups and no unmanaged overlapping tests, to validate hypotheses and inform go/no-go decisions

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Release each increment, measure its performance, analyze the outcome, and document a decision to continue, adjust, or discontinue

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Own any defect, incident, or operational issue that arises between release and conclusion, mobilizing the right people to resolve it and stabilize the initiative

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Report progress and outcomes to leadership with clear, data-backed narratives

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Move flexibly across the bank's product portfolio as priorities are re-ranked, picking up new initiatives quickly and carrying each to a completed, documented conclusion

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Evaluate where AI/ML can meaningfully improve the product experience or internal workflow, and scope those initiatives responsibly