Personal Loan Strategy & Growth

Overview

• Maintain the acquisition funnel . Partner with Partnership and Marketing teams to diagnose performance drop-offs across the entire user journey and run experiments to lift conversion at each gate without degrading credit quality.
• Safeguarding CAC by balancing Channel Mix. Allocate budgets across digital marketing channels, referral, affiliate, and organic/direct — optimizing blended costs against customer lifetime value.
• Own the pricing and promo campaign strategy. Partner with Risk teams on rate-card testing and elasticity experiments; turn results into promo mechanics that stay within regulatory compliance.
• Perform continuous competitive intelligence. Track competitor activities and strategies in the Indonesian digital lending market. Turn those findings into actionable insights and informed campaign decisions.
• Safeguard the personal loan P&L. Forecast portfolio targets on a periodic basis and own reporting on growth performance to the Head of Personal Loan Business. Ensure the Personal Loan portfolio is performing according to budgets previously set for the period.
• 3-5 years in growth, performance marketing, or consumer lending/fintech strategy, or lending business in Indonesia
• Strong fluency in quantitative – comfortable in advanced spreadsheet modeling, SQL, able to read and act on A/B testing result
• Understand lending unit economics (risk adjusted margin, NPL, cost of fund, etc)
• Familiarity with digital lending regulatory environment
• Direct experience with performance marketing is preferable (CRM, Google, Meta, etc)
• Fluent in Indonesian and English

Min Bachelor degree in quantitative field (economics, finance, natural science); Master in Business/Finance related area is a plus