Senior Product Owner - Amar Bank Digital

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.

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.’

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.

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.

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’.

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.

• 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

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

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

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

• Experience coordinating delivery across multiple functions without direct authority over them

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

• Comfortable operating with a high degree of autonomy and ambiguity

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

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

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

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

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

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

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

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

• 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

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

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

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

• 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

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