Product Growth And Excellence Lead

Product Growth And Excellence Lead

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.

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.

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.

Product Business Ownership

• 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.

Agent & Consumer Ecosystem Development

• 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.

Cross-Functional Leadership

• 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).

Data & Performance Management

• Establish dashboards and KPI tracking for all products.
• Conduct cohort analysis and funnel optimization.
• Use experimentation (A/B testing) to validate growth initiatives.

Market & Competitive Analysis

• Monitor fintech and digital payment trends.
• Benchmark against competitors and identify strategic differentiation.
• Propose new product enhancements based on market insights.