The Risk Management role at Amartha encompasses the development and implementation of risk strategies to mitigate potential risks across the organization. This position will work closely with various departments to ensure that all risk-related issues are addressed and resolved efficiently.

Key Responsibilities:

• Identify, analyze, and evaluate risks that could affect the organization's ability to operate.
• Develop risk management policies and procedures to minimize risks.
• Conduct regular risk assessments and audits to monitor compliance with risk controls.
• Prepare risk assessment reports and present findings to senior management.
• Collaborate with other departments to promote risk awareness and encourage risk management practices.
• Provide training and support to staff on risk management issues and protocols.

• Minimum 3 years of experience in risk management, preferably within the financial services or tech industry.
• Strong knowledge of risk management practices and regulatory frameworks.
• Excellent analytical skills and attention to detail.
• Effective communication and interpersonal skills to engage with stakeholders at all levels.
• Proficient in using data analysis tools and risk management software.
• Bachelor’s degree in finance, business, or a related field.

Berikut Link untuk semua Lowongan Pekerjaan yang tersedia di PT. BNP Paribas Asset Management:

Karier - BNPP AM Indonesia professional investor (bnpparibas-am.com)

Tujuan Posisi:

• Bertindak sebagai Pelaksana Fungsi Investasi dan Riset;
• Untuk memberikan informasi penelitian fundamental tentang Sektor Ekuitas dan perkembangan lainnya yang relevan kepada Manajer Portofolio;
• Mewakili Tim Investasi (Ekuitas dan Pendapatan Tetap) dalam menyampaikan analisis dan prospek pasar dalam acara dan pertemuan klien, serta menulis laporan bulanan dan triwulanan untuk konsumsi klien kami, dengan cara yang ramah klien. Memberikan analisis pasar sebagai latar belakang peluncuran produk baru dan memberikan rekomendasi produk berdasarkan situasi pasar yang berlaku.

Tanggung Jawab:

1/ Pengembangan Materi Informasi Pasar:

• Mengembangkan, memelihara, dan memperbarui materi terkini pasar secara berkala, baik dalam format presentasi maupun laporan, untuk digunakan oleh tim Investasi dan penjualan dalam pertemuan/acara klien serta konsumsi klien;
• Memastikan keselarasan analisis dan prospek pasar dengan tim Investasi, baik Ekuitas maupun Pendapatan Tetap;
• Memulai dan mengembangkan pembaruan pasar penting untuk Penjualan dan klien secara tepat waktu;
• Mengembangkan, memelihara, dan memperbarui kisah pasar pendukung untuk produk lama dan baru;
• Mengembangkan tulisan tentang pasar atau produk seperti yang diminta oleh klien

2/ Dukungan Investasi Terhadap Penjualan:

• Mewakili Tim Investasi dalam pertemuan klien untuk memberikan informasi terkini tentang pasar, strategi portofolio, dan proses investasi untuk penawaran klien baru;
• Berpartisipasi dan memahami proses pengambilan keputusan strategi investasi baik untuk portofolio ekuitas maupun pendapatan tetap, dengan mengikuti pertemuan rutin tim Investasi terkait, dengan tujuan untuk dapat menyampaikan dan menjelaskan hasilnya kepada Sales dan klien;
• Menerjemahkan dan memperbarui proses dan filosofi investasi ke dalam materi yang ramah klien untuk digunakan dalam Profil Perusahaan atau materi uji tuntas;
• Mendampingi tim Penjualan jika diperlukan pada acara klien untuk memberikan informasi terkini tentang pasar, dan memastikan bahwa pandangan yang disampaikan adalah pandangan tim Investasi baik untuk Ekuitas maupun Pendapatan Tetap;
• Selalu siaga untuk memberikan pembaruan pasar penting seperti yang diminta oleh klien.

3/ Dukungan Penjualan dan Pemasaran:

• Mendukung pengembangan dokumen RFP dan menyajikan proses dan strategi investasi sebagaimana diperlukan dalam proses uji tuntas;
• Untuk memberikan rekomendasi produk yang akan mendapat manfaat dari prospek pasar tertentu, berdasarkan penelitian makro dan sektor di atas, dan menginformasikan Penjualan secara proaktif mengenai rekomendasi tersebut;
• Untuk mendukung kegiatan pemasaran dalam hal memberikan pandangan pasar dan pembaruan kepada klien berdasarkan permintaan dari Penjualan;
• Mengikuti perkembangan fitur produk, struktur, dan strategi seluruh produk yang ada di platform, serta mampu menciptakan positioning produk untuk produk tersebut.

4/ Analisis Pasar dan Perusahaan:

• Bertanggung jawab dalam pelaksanaan fungsi riset dan analisa kondisi makro ekonomi serta sektor industri; melakukan riset dan analisa tentang Efek dalam portofolio investasi yang menjadi dan/atau yang akan dijadikan sebagai portofolio investasi; dan membuat dan mendokumentasikan catatan serta laporan hasil riset. Untuk menindaklanjuti dan menganalisis perkembangan struktural dan siklus pasar ekuitas yang relevan, termasuk tren sektor dan indeks, dan untuk menganalisis faktor pendorongnya. Untuk menentukan dan mengoordinasikan output analis. Untuk mengatur dan melakukan penelitian ekuitas secara eksklusif dan untuk mempresentasikan hasil analisis ini di berbagai forum dalam Komite Investasi. Memastikan keseluruhan proses analisa telah sesuai dengan peraturan yang berlaku. Membuat dan mendokumentasikan catatan serta laporan hasil riset.

5/ Proses Pengambilan Keputusan:

• Untuk berkontribusi dalam proses pengambilan keputusan pada portofolio model ekuitas.

6/ Rekomendasi Saham dan Model Portofolio:

• Untuk memberikan rekomendasi saham, membuat laporan perusahaan terkait dengan rekomendasi saham, dan menghasilkan gagasan rekomendasi saham baru.

Job Summary:

The Fundraising Officer will be responsible for developing and implementing strategies to secure funding from various sources including individual donors, corporations, foundations, and events. This role requires a strategic thinker with excellent communication skills and a proven track record in fundraising. The ideal candidate will be proactive, resourceful, and committed to the mission of School Development Outreach at Sampoerna Schools System.

• Responsible for account management
• Responsible for budget unit
• Responsible for coordination with internal and external parties
• Maintain relationship with externals

Program Management Trainee Nusantara Sakti Group

Management Trainee (MT) adalah program pengembangan yang dirancang untuk menciptakan Future Leaders di Nusantara Sakti Group. Melalui program ini, Anda akan mendapatkan pengalaman langsung dalam berbagai proses bisnis di lintas fungsi seperti Pemasaran, Piutang Usaha, Keuangan, Kredit, dan Sumber Daya Manusia.

Mengapa Bergabung dengan Program MT Nusantara Sakti Group?

• Pembelajaran Eksklusif: Program kami mencakup In-Class Training (ICT) dan On-the-Job Training (OJT) yang akan membekali Anda dengan keterampilan praktis dan teoritis.
• Mentoring oleh Para Eksekutif: Anda akan mendapatkan bimbingan langsung dari para pemimpin di Nusantara Sakti Group melalui sesi mentoring dan coaching.
• Proyek Pengembangan: Terlibat dalam Improvement Project yang akan memberikan pengalaman nyata dalam mengelola dan memimpin perubahan.

Kualifikasi:

• Bersedia ditempatkan di seluruh Indonesia.
• Tidak sedang menjalani

 pendidikan formal.

Usia maksimal 30 tahun.

Lulusan baru (Fresh Graduates) dipersilakan melamar.

•  Pendidikan minimal S1 dari segala jurusan.
• Berorientasi pada target dengan pemahaman bisnis yang baik.
• Pengalaman berorganisasi (formal maupun informal) diutamakan.
• Kemampuan komunikasi, analisa, dan interpersonal yang baik.
• Keterampilan kepemimpinan yang kuat, serta kemampuan untuk melatih dan membimbing.
• Semangat dan motivasi tinggi untuk berkembang bersama Nusantara Sakti Group.
• Mahir menggunakan Microsoft Excel.
• Mampu mengendarai kendaraan bermotor dan memiliki SIM C.

Catatan Penting:

• Hanya kandidat yang memenuhi kualifikasi yang akan dihubungi.
• Panggilan interview HRD akan diberitahukan melalui email, jadi pastikan email yang Anda masukkan benar dan selalu periksa kotak masuk/spam.
• Penempatan akan dilakukan di cabang-cabang Nusantara Sakti Group di seluruh Indonesia.
• Tidak ada penalti atau jaminan yang harus dititipkan.
• Jika mengalami kendala dalam pengerjaan Psikotes Online, silakan kirim foto kendala tersebut ke 08112795254 (Setya, HRD Nusantara Sakti Group).

Kami tunggu partisipasi Anda dalam program ini dan mari bersama-sama membangun masa depan yang lebih baik di Nusantara Sakti Group!

Alamat Kantor : Gedung The Victoria Lantai 5-6 Jl. Tomang Raya Kav. 35-37, RT.12/RW.5, Tomang, Kec. Grogol petamburan, Kota Jakarta Barat, Daerah Khusus Ibukota Jakarta 11440

About Us

INDICO is a digital technology subsidiary company of Telkomsel, Indonesia's leading digital telecom company. INDICO plays a strategic role as a holding company that houses current and prospective vertical digital business portfolios, including Kuncie (edu-tech), Fita (health-tech), and Majamojo (game). Moving forward, INDICO aims to explore opportunities in multiple verticals adjacent to Telkomsel’s digital businesses. As a digital platform company, INDICO aims to leverage Telkomsel’s digital assets and capabilities to create a flywheel effect of innovations to develop cross-sectoral digital solutions that will empower Indonesia’s digital economy.

INDICO believe we can reach beyond to empower Indonesians and enable businesses through our strong core values of EPIC WAY (Excellence, Positivity, Impactful Collaboration, Customer First, Walk the Talk, Accountability, Yes-if Mindset).

As a Product Analyst at INDICO, you will play a critical role in overseeing data-driven decision-making for INDICO product and business lines, which include digital goods commerce, engagement platform, Edutech, HealthTech, and game publishing businesses. This position offers a unique opportunity to work with cross-entity data across a variety of industries, driving impactful business outcomes and product development. You will collaborate with multiple business units to plan, strategize, and accelerate growth, leveraging complex data to provide actionable insights that support informed decisions, as well as build and expand the data analyst organization.

What you will do but not limited to:

• Collaborate with Indico and its subsidiaries to plan, strategize, and drive growth through data-driven insights.
• Collect, clean, and analyze large datasets to support business and product decisions.
• Develop and deploy dashboards to track key metrics for different business units, including Edutech, Healthtech, and Game Publishing.
• Conduct both regular and ad-hoc analysis to support strategic decision-making and special projects.
• Partner with Product and Data Engineering teams to enhance data pipelines and ensure data accuracy across multiple entities.
• Design and analyze experiments to assess initiatives and optimize business outcomes.
• Track and measure the impact of data-driven strategies, providing regular updates on their effectiveness.
• Work with cross-functional teams to define success metrics, evaluate data, and deliver actionable insights across Indico and its subsidiaries.

• Bachelor's or master's degree in a quantitative field (Statistics, Mathematics, Computer Science, Engineering, etc.).
• Proficiency in SQL for querying and data manipulation.
• Experience with BI tools (e.g., Tableau, PowerBI, Looker) for dashboard creation.
• Familiarity with Python or R for advanced data analysis is a plus.
• 3+ years of experience in data analysis, data science, or a related role.
• Effective communication and storytelling skills to present data-driven insights to various stakeholders.
• Experience working with diverse stakeholders across multiple business units.
• Ability to analyze large datasets, tackle complex challenges, and deliver actionable insights.
• Passion for data, curiosity about analysis, and a proactive attitude in exploring solutions.
• Experience in A/B testing, statistical experimentation, or building predictive models is a plus.
• Familiarity with cloud platforms (e.g., GCP, AWS, Azure) is an advantage.
• Fluent in English and Bahasa Indonesia for effective communication across teams.

About Us

INDICO is a digital technology subsidiary company of Telkomsel, Indonesia's leading digital telecom company. INDICO plays a strategic role as a holding company that houses current and prospective vertical digital business portfolios, including Kuncie (edu-tech), Fita (health-tech), and Majamojo (game). Moving forward, INDICO aims to explore opportunities in multiple verticals adjacent to Telkomsel’s digital businesses. As a digital platform company, INDICO aims to leverage Telkomsel’s digital assets and capabilities to create a flywheel effect of innovations to develop cross-sectoral digital solutions that will empower Indonesia’s digital economy.

At INDICO, we believe in reaching beyond to empower Indonesians and enable businesses through our strong core values of EPIC WAY (Excellence, Positivity, Impactful Collaboration, Customer First, Walk the Talk, Accountability, Yes-if Mindset).

We are seeking a motivated Product Intern to join our team. In this role, you will support the product research process by conducting market analysis, user research, and competitive analysis. You will work closely with product managers and designers to gather insights that drive product decisions and improvements. This internship offers a great opportunity to gain hands-on experience in product research and development in a fast-paced environment.

What you will do:

• Conduct market research to understand industry trends, customer needs, and competitor analysis. 
• Collect and analyze data to support strategic decision-making. 
• Gather user feedback to enhance the product. 
• Assist to create and maintain product documentation such product books and user guides. 
• Assist to use analytical tools to monitor product performance post-launch and identify areas for improvement. 
• Assist the product team in product development cycle & prototype creation. 
• Support product team in various tasks and projects as needed. 
• Coordinate with cross-functional teams; engineering, design, marketing, and sales. 

• Bachelor degree in Business, Marketing, Design, Social Sciences, or a related field.
• Strong analytical skills with the ability to interpret data and derive insights.
• Experience with analytical tools such as Excel, Google Analytics, or other BI tools is a plus.
• Experience in project management; familiarity with tools like JIRA, Miro
• Excellent research, written, and verbal communication skills.
• Detail-oriented and organized with the ability to manage multiple tasks.
• Familiarity with research methodologies and tools for conducting market and user research.
• Passion for product development and understanding user needs.

• Develop Enterprise Risk Management Framework, Policy, Procedures and all relevant documents to ensure the Company operates within the OJK requirements and risk policies.
• Identify gaps in the implementation against regulations, standardized methodology and/ or best practice and plan for practicable improvements.
• Drive an effective implementation of Enterprise Risk Management, across the Company, in line with Group and Regulatory Governance Framework principle and Policy.
• Manage risk management programs for multiple domain, i.e. multi finance, P2P Lending, and insurance broker.
• Lead the risk reporting preparation to ensure delivery of accurate, timely, and good quality reports, as required by Group and Regulator.
• Communicate findings and insights to various stakeholders, including senior management and related departments for timely risk mitigation.

Mendukung tim pajak dan akuntansi, memastikan bahwa semua operasi keuangan berjalan lancar dan semua tenggat waktu dipenuhi secara konsisten.

• Bertanggung jawab atas penganggaran tahunan dan analisis fluktuasi; berkolaborasi dengan departemen lain untuk memastikan kinerja memenuhi anggaran.

• Kelola beban kerja tambahan yang mungkin timbul sesekali, termasuk proyek khusus, audit, atau tugas keuangan lainnya yang memerlukan perhatian di luar tanggung jawab rutin.

• Meninjau proses dan praktik akuntansi. Menerapkan perbaikan jika diperlukan untuk memastikan operasi keuangan yang efisien.

• Meningkatkan pengendalian internal dan berkontribusi pada pembuatan dan penyempurnaan SOP.

• Beradaptasi dengan lingkungan startup yang dinamis, bekerja sama dengan departemen lain untuk menetapkan dan menyempurnakan proses ketika SOP mungkin kurang.

• Secara proaktif mengidentifikasi kesenjangan dalam prosedur yang ada dan mengambil inisiatif untuk mengembangkan dan mendokumentasikan proses baru sesuai kebutuhan.

• Mendukung tim lintas fungsi dengan memberikan wawasan keuangan dan memastikan bahwa semua praktik keuangan selaras dengan tujuan perusahaan dan persyaratan peraturan.

• Menyiapkan dan menyajikan laporan keuangan sesuai kebutuhan, menanggapi permintaan ad-hoc dari manajemen dan departemen lain.

Sikap yang Diinginkan:

• Keterampilan pemecahan masalah yang kuat.

• Kemampuan untuk menyederhanakan permintaan atau masalah yang rumit menjadi prosedur praktis.

• Proaktif dalam memecahkan masalah pada sumbernya.

• Kemampuan untuk mengelola pertanyaan dari banyak pihak secara efektif.

• Perhatian terhadap detail dan komitmen terhadap kualitas.

• Berusaha mencapai keunggulan.

• Dapat dipercaya dan bertanggung jawab.

• Semangat bisa melakukan.

Responsibilities

• Gain a deep understanding of customer experience, identify and fill product gaps and generate new ideas that grow market share, improve customer experience and drive growth
• Create buy-in for the product vision both internally and with key external partners
• Develop product pricing and positioning strategies
• Translate product strategy into detailed requirements and prototypes
• Scope and prioritize activities based on business and customer impact
• Work & communicate closely with HQ teams to deliver with quick time-to-market and optimal resources
• Drive product launches including working with public relations team, executives, and other product management team members
• Evaluate promotional plans to ensure that they are consistent with product line strategy and that the message is effectively conveyed
• Act as a product evangelist to build awareness and understanding
• Maintain & closely monitor product inventory
• Represent the company by visiting customers to solicit feedback on company products and services

Requirements and skills

• Proven work experience in product management or as an associate product manager
• Proven track record of managing all aspects of a successful product throughout its lifecycle
• Proven ability to develop product and marketing strategies and effectively communicate recommendations to executive management
• Solid technical background with understanding and/or hands-on experience in Stationery Product
• Strong problem solving skills and willingness to roll up one’s sleeves to get the job

• Skilled at working effectively with cross functional teams in a matrix organization
• Excellent written and verbal in English
• A keen eye for aesthetics and details
• Bachelor degree is a must
• Comes with Stationery Product Background (Faber Castell, Zebra, Pilot) is an added-Value

About Igloo

Igloo (formerly Axinan) is the first full-stack insurtech firm to emerge from Singapore. With offices across Singapore, Indonesia, Thailand, the Philippines, Vietnam, Malaysia, China and India, Igloo is fueled by a mission of making insurance accessible and affordable for all. Igloos innovation solutions empower companies to eliminate operational risk, drive new revenue streams and optimise and enhance their existing products and services. With a successful Pre-Series C fund round of US$36 million in Dec 2023, Igloo has now raised over US$100 million. The leading regional insurtech firm looks to expand regionally with strategic acquisitions and hiring great talent.

As a passionate team building meaningful solutions to make an impact, we are looking for like-minded individuals to join us at Igloo. At our core, we prioritise teamwork and foster a culture built on strong collaboration and we are looking for talented people like you.

About the role 

We are seeking an experienced Product designer with a strong focus on UI/UX design and design thinking skills to join our dynamic team. As a Product Designer you will be working with the direct to consumer team and play a crucial role in providing our customer the best possible user experience in purchasing insurance.

Job Responsibilities 

• Understand product requirements and explore different design solutions by applying the user-centered design process;
• Lead user research to uncover opportunities and validate designs through usability tests;
• Collaborate with the cross-functional team by creating end to end customer journey’s flows and mockups in order to visualize and share your ideas;
• Communicate and present your design solutions to relevant stakeholders effectively, and back up those decisions with qualitative or quantitative data;
• Maintain a cohesive and consistent user experience of the product across our direct to consumer platform, customer portal, employee benefit portal and other products in the ecosystem;
• Leverage components in the design system and create high-fidelity mockups across different platforms for further testing and development;
• Work closely with Product Managers and partner with Business Operations and Engineering teams to bring design ideas to life.
• Visual design skills with a deep understanding of information design fundamentals such as typography, layout, and information hierarchy.

• Bachelor Degree in interaction design, human-computer interaction, visual communication, or equivalent experience in product design;
• At least 3 years of proven experience in UX /UI design with a good understanding of design principles, user-centered design methods, and design processes, preferred experience in working in the insurance industry, in a fast paced start-up environment.
• Excellent verbal, communication, and presentation skills in English.
• Ability to frame problems clearly, bring in original ideas and approaches to solving them and persuasively communicate the most compelling solutions;
• Critical thinking skills and growth mindset
• A self-starter with hands-on experience
• Running design sprints from start to implementation is preferred.
• Proven experience in working with development and product teams; understanding of HTML & CSS, and ability to discuss possibilities and constraints with developers;
• Good portfolio showcasing a wide range of product design work including responsive website, app design;
• Deep empathy for users and solid foundation in interaction design techniques;
• Experience working with design tools like Figma, Sketch, InVision, etc.

Get to Know Us

In the Amoda tech team, you will work on cutting-edge web applications and software ranging from construction management, hospitality management, client-facing booking systems in the form of web applications to mobile apps. We are a small team that thrives on innovation and growth. Constant learning and improvement is in our DNA. Our aim is to make software in construction that is innovative, reliable, and amplifies the sector in a way not imagined before. You are going to be the QA pioneer of Amoda, so there will be some liberty regarding creating standards on the QA-side

Job Responsibilities

• Market Experimentation
  Reach out to different potential clients and find out about their pain points to see where our product stands.
• Market Awareness
  Conduct market research and competitive analysis to identify trends, opportunities, and potential threats, ensuring our product remains competitive.
• Cross-Functional Collaboration
  Collaborate closely with cross-functional teams including design, engineering, marketing, and customer support to deliver high-quality digital experiences.
• User-Centric Approach with Integration
  Champion a user-centric approach to product development, gathering user feedback and conducting usability testing to inform decision-making. Availability to visit our potential client site is a must. Able to ideate short-term and long-term goals of a user’s problem and manage their expectations.
• Product Metric Tracking (Data Driven)
  Define key performance indicators (KPIs) and regularly analyze product metrics to measure the success of the B2B application.
• Release Management
  Plan and oversee product releases, coordinating with development teams to ensure on-time delivery of new features and updates.
• Continuous Improvement
  Continuously iterate and improve the application based on user feedback, industry best practices, and emerging technologies.
• Stakeholder Communication & Management
  Communicate product updates, progress, and strategy to stakeholders at all levels of the organization and external users.

• Bachelor's degree in a related field; MBA or equivalent is a plus.
• Around 2+ years of experience in Digital Product Design.
• Task prioritization given constraint.
• Proven experience as a Digital Product Manager with a focus on B2B applications (Web app & mobile).
• Strong understanding of user-centered design principles and methodologies.
• Excellent analytical and problem-solving skills.
• Exceptional communication and interpersonal skills.
• Proficiency with product management tools and analytics platforms.
• A track record of successfully delivering digital products both 0-1 and 1-10 that meet or exceed user expectations.
• Ability to thrive in a fast-paced, dynamic environment.
• Able to convey information to team through graph, diagram, and LoFi Design
• Experience with Agile/Scrum methodologies is preferred.

Our client is a fast-growing digital banking group, focused on providing affordable, accessible financial services in emerging markets. Headquartered in Singapore, they design, build, and operate digital banks tailored for underserved populations. Their innovative approach combines advanced technology with personalized services through physical kiosks, allowing customers to easily open accounts and access banking services.

The Product Owner (PO) will collaborate closely with segment and product teams to design and manage new digital financial services offerings across the company's digital platforms. This role covers the entire product development lifecycle, from concept and customer research to design, development, launch, iteration, and ongoing support.

You will bring a passion for meeting the needs of individuals and businesses through a variety of banking products, combined with a deep understanding of how technology can enhance customers' daily lives.

Key Responsibilities:

• Collaborate with business stakeholders and the development scrum team to define and clarify business requirements.
• Define the vision and requirements for products and services, focusing on customer needs and business goals.
• Lead the project discovery and inception phases, setting clear goals and outcomes.
• Establish the minimum viable product (MVP) for launch, plan for iterations, and map future development horizons.
• Drive agile delivery, including backlog prioritization, user story creation, sprint planning, and roadmap management.
• Work with teams such as UXD, marketing, and research to refine the product scope based on customer personas, motivations, and behaviors to create a rewarding customer experience.
• Regularly liaise with technical teams to prioritize and understand development implications.
• Ensure continuous stakeholder engagement to align on project scope and meet business needs.
• Oversee support and maintenance to ensure continuous improvement in product delivery.
• Validate customer problems, set learning objectives, and use analytics to inform product roadmap decisions.
• Motivate and guide scrum teams, participate in daily ceremonies, and ensure high-quality work delivery.
• Lead continuous improvement initiatives for the team and take ownership of product results.
• Contribute to community discussions with product and business expertise.

• 4+ YOE as a Product Owner
• Industry-relevant qualification with Agile Product Owner certification is highly desirable.
• Certified Scrum Product Owner (CSPO) or equivalent experience.
• Proven experience in managing projects to completion and in Agile environments as a Product Owner.
• Ability to navigate ambiguous situations and build innovative customer experiences.
• Passion for staying updated on the latest digital trends.
• Experience working with business stakeholders and development teams to deliver digital products and services.
• Strong influencing skills, with the ability to manage challenging business and technical stakeholders.
• Commercial acumen with a focus on data-driven decisions and business value.
• Experience in the financial services industry is an advantage.

• Meal and parking allowances covered by the company.
• Full benefits and salary rank during probation.
• Insurance per Vietnamese labor law, with premium healthcare for you and your family.
• Performance bonus of up to 1 month.
• Pro-rata 13th-month salary.
• Leave benefits: 15 days of annual leave, 3 days of sick leave, 1 birthday leave, and 1 Christmas leave.
• Clear career development pathways, with access to technical seminars, conferences, and career talks.
• A values-driven, international, and agile work environment.
• Opportunities for overseas travel for training and work-related activities.
• Regular internal events such as Hackathons, team building, and more.
• Work-life balance: 40-hour work week from Monday to Friday.

About Us

INDICO is a digital technology subsidiary company of Telkomsel, Indonesia's leading digital telecom company. INDICO plays a strategic role as a holding company that houses current and prospective vertical digital business portfolios, including Kuncie (edu-tech), Fita (health-tech), and Majamojo (game). Moving forward, INDICO aims to explore opportunities in multiple verticals adjacent to Telkomsel’s digital businesses. As a digital platform company, INDICO aims to leverage Telkomsel’s digital assets and capabilities to create a flywheel effect of innovations to develop cross-sectoral digital solutions that will empower Indonesia’s digital economy.

INDICO believe we can reach beyond to empower Indonesians and enable businesses through our strong core values of EPIC WAY (Excellence, Positivity, Impactful Collaboration, Customer First, Walk the Talk, Accountability, Yes-if Mindset).

As the Product Manager - Loyalty and Promotion, you will be responsible for building and scaling a Loyalty and Promotion platform that serves multiple product lines within Telkomsel Group and extends as a B2B2C service to corporate clients outside the group. Additionally, you will be responsible for creating a SaaS/API solution that allows businesses to integrate and customize loyalty and promotion services with ease. You will also have the unique opportunity to leverage Telkomsel’s existing Loyalty system to create a robust solution that enhances customer engagement, retention, and satisfaction across various digital products, while offering businesses outside Indico a customizable loyalty and promotion service.  

What you will do but not limited to:

• Co-crafting product vision and prioritization 

• Lead the design, development, and launch of a Loyalty and Promotion platform for Indico’s internal business units (B2B2C and B2C), as well as external corporate clients through a B2B2C service model. 

• Build a scalable SaaS and API-based Loyalty and Promotion product that external businesses can easily integrate into their own systems. 

• Develop a Loyalty/Promotion aggregator service that consolidates offers, rewards, and promotions from multiple partners, creating a comprehensive solution for users. 

• Leverage Telkomsel’s existing Loyalty system and integrate its features into the platform to maximize value for Indico business lines and external clients. 

• Define the product vision, strategy, and roadmap for the Loyalty/Promotion SaaS/API and aggregator platform. 

• Manage the full product lifecycle, from concept to launch, including gathering requirements, prioritizing features, development, testing, and post-launch improvements. 

• Collaborate closely with engineering, design, marketing, and sales teams to ensure successful product development, market fit, and go-to-market execution. 

• Engage with corporate clients to understand their loyalty and promotion needs, ensuring the platform provides flexible and customizable solutions. 

• Analyze user data and feedback to continuously improve the platform and enhance customer engagement and satisfaction. 

• Stay current with industry trends and innovations in loyalty and promotion, ensuring Indico’s platform remains competitive and cutting-edge. 

• Bachelor’s degree in business, marketing, computer science, or a related field; MBA is a plus. 

• 5+ years of experience in product management, particularly with a focus on loyalty, promotion, or rewards platforms. 

• Proven experience in building loyalty/promotion SaaS/API products, with a strong understanding of how to design scalable, flexible solutions for external clients. 

• Experience in developing and managing a loyalty/promotion aggregator service is highly desired. 

• Strong technical background with the ability to work closely with engineering teams to build API-driven products. 

• Familiarity with Telkomsel’s Loyalty system or other telco-based loyalty platforms is an advantage. 

• Experience working with B2B2C service models and managing relationships with corporate clients. 

• Excellent communication and collaboration skills for working across multiple internal teams and external partners. 

• Strong analytical skills and data-driven approach to product development and decision-making. 

• Ability to prioritize tasks effectively in a fast-paced, dynamic environment and manage multiple projects simultaneously. 

About Us

INDICO is a digital technology subsidiary company of Telkomsel, Indonesia's leading digital telecom company. INDICO plays a strategic role as a holding company that houses current and prospective vertical digital business portfolios, including Kuncie (edu-tech), Fita (health-tech), and Majamojo (game). Moving forward, INDICO aims to explore opportunities in multiple verticals adjacent to Telkomsel’s digital businesses. As a digital platform company, INDICO aims to leverage Telkomsel’s digital assets and capabilities to create a flywheel effect of innovations to develop cross-sectoral digital solutions that will empower Indonesia’s digital economy.

INDICO believe we can reach beyond to empower Indonesians and enable businesses through our strong core values of EPIC WAY (Excellence, Positivity, Impactful Collaboration, Customer First, Walk the Talk, Accountability, Yes-if Mindset)

As a Complaint Management Support you will play a crucial role in ensuring customer satisfaction by effectively addressing and resolving complaints. This position involves close collaboration with various teams to enhance the overall customer experience and drive improvements in service delivery.

Key Responsibilities:

• Receive, log, and track customer complaints via various channels (phone, email, social media, etc.).
• Investigate and analyze complaints, coordinating with relevant departments to gather information and implications.
• Communicate with customers regarding their complaints, providing timely updates and resolutions.
• Document all complaints and resolutions in the complaint management system accurately.
• Identify trends in complaints and work with teams to develop strategic improvements for enhanced customer satisfaction.
• Assist in the preparation of reports and insights on complaint management metrics to support decision-making.
• Contribute to the development and implementation of best practices in complaint management processes.
• Support customer service initiatives and campaigns aimed at increasing customer retention and satisfaction.

Qualifications:

• Bachelor's degree in Business Administration, Communications, or a related field.
• Minimum of 1-2 years experience in customer service or complaint management roles.
• Strong communication skills, both written and verbal, with the ability to articulate complex issues clearly.
• Excellent problem-solving and analytical skills to identify the root cause of complaints and propose effective solutions.
• High attention to detail and a commitment to maintaining quality standards in all interactions.
• Ability to work collaboratively in a team-oriented environment while also being proactive and self-motivated.
• Proficiency in Microsoft Office Suite and experience with customer relationship management (CRM) software.
• Fluency in Indonesian and good command of English is required.
• Ability to handle challenging situations with professionalism and composure.

- Gather feedback from users/customers and translate it into product requirements.
- Prioritize the product roadmap and take ownership of product requirements based on customer needs.
- Lead the product development process in an agile manner.
- Collaborate with the Engineering team.
- Work with product designers to create the best UI/UX for users in the market.
- Develop the roadmap based on customer feedback, data, and market needs.
- Review user stories to ensure that outcomes meet initial requirements.
- Review test scenarios for improvements, features, and projects to ensure they align with initial requirements.
- Manage various product metrics like Daily Active Users (DAU) and Monthly Active Users (MAU).
- Conduct thorough testing such as A/B testing and pilot tests.

Job Description:

We are looking for an experienced and visionary Lead Product Manager to oversee the development and growth of our credit product portfolio. In this role, you will lead the strategy, development, and execution of credit-related products, ensuring they meet market demands and regulatory standards. You will collaborate with cross-functional teams across product, engineering, data, risk, and marketing to drive the product vision, create innovative solutions, and enhance customer experiences in the credit space. Your expertise in credit products, combined with your leadership abilities, will be crucial in delivering products that meet customer needs and drive business growth.

Key Responsibilities:

·                Product Strategy & Vision: Define and lead the product strategy and roadmap for credit products, including credit cards, loans, lines of credit, and other financial services. Ensure alignment with business goals and customer needs.

·                Market Research & Trends: Stay on top of industry trends, customer behaviors, and competitor offerings in the credit space. Conduct market research, gather customer feedback, and analyze data to identify new opportunities for growth.

·                Cross-Functional Leadership: Collaborate with engineering, risk, finance, compliance, marketing, and operations teams to drive product development and delivery. Lead product planning sessions and coordinate across teams to ensure timely product launches.

·                Risk & Compliance Management: Work closely with risk, legal, and compliance teams to ensure that all credit products adhere to regulatory requirements, including credit risk policies, underwriting guidelines, and financial regulations.

·                Customer Experience & Journey: Lead efforts to improve the overall customer experience in the credit product lifecycle, from onboarding to repayment. Partner with UX/UI teams to create intuitive, user-friendly experiences for customers.

·                Performance Monitoring: Analyze product performance and customer feedback using key performance indicators (KPIs), and take actionable steps to optimize product features, pricing, and positioning.

·                Mentoring & Leadership: Lead and mentor a team of product managers, providing guidance and expertise on best practices in product management and credit products.

·                Innovation & Scaling: Identify and implement opportunities for innovation and product differentiation in the credit space. Scale existing products and develop new ones that cater to evolving market needs.

·                Stakeholder Management: Communicate product vision, priorities, and progress to senior leadership, and collaborate with external partners, vendors, and financial institutions as necessary.

·                Experience: 7+ years of experience in product management, with at least 3 years focused on credit products (loans, buy now pay later, etc.) or related financial services.

·                Leadership Experience: Proven track record of leading and mentoring product teams, with a demonstrated ability to manage and deliver complex projects across multiple stakeholders.

·                Credit Expertise: Deep understanding of the credit lifecycle, including underwriting, portfolio management, credit risk, and regulatory requirements.

·                Analytical Skills: Strong data-driven decision-making skills. Ability to interpret financial metrics, user analytics, and market data to inform product decisions.

·                Technical Understanding: Familiarity with modern software development practices (Agile, Scrum) and experience working closely with engineering teams on complex financial technology solutions.

·                Collaboration: Strong interpersonal skills with a history of successfully working with cross-functional teams, senior executives, and external partners.

·                Customer-Centric Mindset: Passion for creating customer-first products and delivering seamless, user-friendly credit experiences.

·                Communication: Excellent verbal and written communication skills, with the ability to clearly articulate product vision and influence key stakeholders.

·                Education: Bachelor's degree in Engineering, Computer Science, Finance, Design, or other fields from top local or overseas universities with strong academic results, MBA is a plus.

Rakamin is seeking a dynamic and innovative AI Product Manager to join our team and lead the development of cutting-edge artificial intelligence solutions. In this role, you will drive the vision, strategy, and execution of AI product initiatives that enhance user experiences and deliver significant value to our clients. As a key member of the product management team, you will collaborate with cross-functional teams, including engineering, design, and marketing, to ensure the successful launch and ongoing improvement of our AI products. You will be responsible for understanding market trends, user needs, and technological advancements in AI, which will enable you to guide the overall product lifecycle from ideation through to market release and beyond. Your ability to communicate effectively with both technical and non-technical stakeholders will be critical in championing AI initiatives and ensuring alignment with business goals. We are looking for someone who is passionate about artificial intelligence and eager to shape the future of technology-driven solutions. If you thrive in a fast-paced environment and are ready to make an impact, we want to hear from you!

Responsibilities

• Define the product vision and roadmap for AI solutions that align with company goals.
• Conduct market research to identify trends and user needs in AI technology.
• Collaborate with engineering teams to translate product requirements into technical specifications.
• Develop and prioritize product features based on user feedback and market analysis.
• Lead cross-functional teams in the execution and launch of AI products.
• Monitor product performance and analyze user data to inform future improvements.
• Communicate product updates and strategies to stakeholders and executives.

• Bachelor's degree in Computer Science, Engineering, Business, or a related field.
• Proven experience in product management, preferably in AI or technology sectors.
• Strong understanding of AI technologies and their applications.
• Excellent analytical and problem-solving skills.
• Ability to work collaboratively in cross-functional teams.
• Exceptional communication and presentation abilities.
• Demonstrated ability to manage multiple projects simultaneously in a fast-paced environment.

• Private Health Insurance
• Pension Plan
• Paid Time Off
• Work From Home
• Training & Development
• Performance Bonus

• Manage enterprise wide risk management programs for multiple products (e.g Lending, digital payment/remittance, digital product)

• Identify and manage risks to the organization, it’s employees, stakeholders, assets and operations.
• Monitoring and maintain Key Risk Indicators parameters on monthly and weekly basis.
• Prepare Risk Register report 1-2 times per year
• Work together with other risk units in reviewing new products or new features of products
• Engage and develop effective working relationship to support cooperative response to risk management matters and issues.
• Provide guidance and training to promote risk control awareness, ownership and accountability.

• Minimum 5 years of relevant working experience, preferably from start-up/tech company or product / business in lending industry or credit, e-wallet/payment, digital product)

• Good knowledge about risk management, having exposure handling in ERM Role in current or past role
• Handling process Risk Register, lead and/or coordinate RCSA (risk control self-assesment)
• Data tools (SQL, BigQuery, etc) capability is plus point
• Bachelor’s degree graduate
• Excellent communication skill and stakeholders management
• Strong analytical skills and problem solving

1. Capai pertumbuhan dan capai target penjualan dengan mengelola tim penjualan dengan sukses
2. Rancang dan terapkan rencana bisnis strategis yang memperluas basis pelanggan perusahaan dan memastikan keberadaannya yang kuat 
3. Penetapan tujuan sendiri, pembinaan dan pemantauan kinerja perwakilan penjualan
4. Bangun dan promosikan hubungan pelanggan yang kuat dan tahan lama dengan bermitra dengan pelanggan dan memahami kebutuhan pelanggan
5. Mempresentasikan laporan penjualan, pendapatan dan pengeluaran serta prakiraan realistis kepada tim manajemen
6. Identifikasi pasar, berkembang dan pergeseran pasar sambil sepenuhnya menyadari produk baru dan status persaingan

MidPlaza Holding is looking for a highly motivated and dynamic Finance Management Trainee to join our Corporate Office team. This program is designed for recent graduates with a passion for finance, providing hands-on experience and exposure to various financial functions within the organization. The Finance Management Trainee will participate in training programs and work closely with experienced finance professionals to develop their skills and knowledge in financial management, analysis, and reporting. This is an excellent opportunity to kickstart your career in finance with a reputable company.

Responsibilities:

• Assist in daily financial operations.
• Support the financial reporting process by gathering data and preparing reports.
• Participate in budgeting and forecasting activities.
• Conduct financial analysis to support decision-making processes.
• Collaborate with various departments to gain a comprehensive understanding of business operations.
• Engage in training sessions and development programs to enhance financial skills and knowledge.

• Bachelor’s Degree, from Accounting, Finance, Business, or Economics from reputable universities.
• Minimum GPA: 3.0
• Fresh graduate or maximum of 2 years work experience
• Strong verbal, written, and presentation in English skill
• Proficient in Microsoft Office, especially Microsoft Excel
• Leadership experiences in campus or student organizations
• Growth mindset, resilience and ability to adapt
• Numerical and analytical thinking
• Willing to be placed in any of the MidPlaza’s Business Units

• Private Health Insurance
• Training & Development