Product Growth and Excellence Lead

About Amartha At Amartha, we empower micro-businesses across Indonesia, enabling growth and equal prosperity. We've supported over 2.7 million entrepreneurs—mostly women—by disbursing IDR 22.8 trillion in funding. As we step into 2026, Amartha is evolving into a technology-driven financial ecosystem, expanding our reach in lending, funding, and payments. Through innovation and digital solutions, we aim to enhance accessibility, streamline processes, and create a seamless user experience. About The Role As a Product Growth and Excellence Lead, you'll play a key role in driving Amartha's digital payment ecosystem to scale sustainably. You'll lead growth strategies for both Agent and Consumer segments, focusing on user acquisition, activation, retention, and monetization to achieve strong business performance and profitability. In this role, you'll oversee end-to-end product operations — from managing cash-in and cash-out products (such as Bank VA, OTC, PPOB, remittance, and QRIS) to optimizing pricing, incentives, and user engagement. You'll also collaborate with cross-functional teams and external partners to ensure seamless execution and continuous innovation. This position is perfect for a data-driven, strategic thinker with a strong background in fintech or digital payments, passionate about scaling products, and experienced in managing both B2B (agent) and B2C (consumer) growth. Job Description

2. Product Business Ownership

3. Agent & Consumer Ecosystem Development

4. Cross-Functional Leadership

5. Data & Performance Management

6. Market & Competitive Analysis Growth Strategy & Execution Develop and execute growth strategies for Agent and Consumer segments Drive user acquisition, activation, retention, and monetization initiatives Identify new growth opportunities and business expansion areas Own and deliver transaction volume, revenue, and profitability targets Manage end-to-end business performance for: Cash-In: Bank Virtual Account (Bank VA), OTC (Over-The-Counter) Cash-Out: PPOB, remittance, pocket top-up, QRIS Monitor product performance metrics (GMV, take rate, conversion rate, active users, LTV) Optimize pricing strategy and business model to improve margins Build programs to increase agent productivity and transaction frequency Improve consumer engagement and usage across payment products Design incentive schemes and partnership strategies to drive growth Lead and mentor the Growth team Collaborate with Product, Tech, Marketing, Operations, Risk, and Finance teams to ensure seamless execution Work closely with external partners (banks, payment providers, remittance partners) Establish dashboards and KPI tracking for all products Conduct cohort analysis and funnel optimization Use experimentation (A/B testing) to validate growth initiatives Monitor fintech and digital payment trends Benchmark against competitors and identify strategic differentiation Propose new product enhancements based on market insights

Requirements Bachelor's degree in Finance, Economics, Business, Engineering, or related field 5-8+ years of experience in Product Growth, Business Management, or Fintech/Payments Strong experience managing payment products (cash-in, cash-out, remittance, QRIS, PPOB) Proven track record in scaling transaction-based digital products Experience handling both B2B (agent) and B2C ecosystems is highly preferred Strong analytical and data-driven mindset Experience with financial metrics (GMV, revenue, take rate, CAC, LTV) Familiar with payment systems, digital banking, and regulatory environment Ability to build financial models and business projections

At Amartha, we are dedicated to creating a workplace that celebrates diversity, ensures equity, and fosters inclusion. We believe that diverse perspectives—shaped by factors such as gender, age, race, ethnicity, education, culture, and life experiences—drive innovation and growth. We actively welcome individuals from all backgrounds to join us in building an environment where everyone feels respected, valued, and empowered. Our commitment is to provide equal opportunities and foster a sense of belonging that enables our employees to thrive and make meaningful contributions.