AVP-Telco Banking Product

Job Description

1. Product Management & Ownership Own the end-to-end product vision, strategy, and roadmap for the embedded banking product line across IOH ecosystem. Translate business goals and user needs into clear requirements, user journeys, and specifications (functional specs, use cases, acceptance criteria). Prioritize the backlog, make scope and phasing trade-offs, and drive product decisions from discovery through release and post-launch iteration. Champion security, compliance, and CX-by-design given the regulated banking context (data protection, fraud handling, audit and control requirements). Own product success metrics and continuously steer the product toward them.
2. Project Management Drive delivery across the full product lifecycle within acceptable timelines and release gates. Build and maintain project plans, milestone trackers, and critical-path views; manage dependencies, risks, and blockers proactively. Run recurring working sessions and steering updates; keep a single source of truth and clear, accurate ownership (PIC/ETA) on every action item. Manage escalations (technical, security, contractual, partner-side) to keep delivery on track.
3. Data, Insight & Market Research Lead product discovery through market research, focus groups, and field/market visits to validate value propositions and shape features. Use data and analytics to inform prioritization, define KPIs, and measure product performance. Partner with data and finance team on reporting, reconciliation, and performance dashboards across both product areas. Turn quantitative and qualitative insight into actionable product improvements and leadership-ready narratives.
4. Stakeholder & Cross-Functional Alignment Serve as the primary product liaison to the partner: aligning on scope, timelines, technical integration, data sharing, and go-to-market. Coordinate a broad internal stakeholder. Define and maintain clear responsibility splits across organizations for the end-to-end user journey. Produce weekly, leadership, and executive-level updates that surface progress, risks, and decisions for senior audiences.

Qualifications

1. Required 5+ years in product management, ideally in fintech, digital banking, payments, or telco financial products. Proven ownership of a product from concept -launch-to-operational, including cross-functional and partner-led delivery. Strong project/program management skills: planning, dependency and risk management, and driving to deadlines across teams. Data-informed product sense; comfortable defining KPIs and working with analytics. Excellent stakeholder management and communication. Comfort operating in regulated environments (financial compliance, security, data privacy). Fluent in Bahasa Indonesia and professional English.
2. Preferred Experience with bank or financial-institution partnerships, API-based integrations, and app-embedded financial services. Familiarity with agent/retailer distribution models and go-to-market in the Indonesian market.

Job Responsibilities

Product Management & Development Product Management and Innovation