Personal Loan Strategy & Growth
Cermati · Central Jakarta, Jakarta, id
Sekilas tentang pekerjaan ini
Cermati mencari profesional untuk mengelola strategi dan pertumbuhan Personal Loan di Jakarta Pusat. Peran ini mencakup akuisisi, pemasaran, strategi harga, serta kinerja portofolio; ditujukan bagi kandidat dengan pengalaman 3–5 tahun di growth, performance marketing, strategi fintech, atau bisnis lending.
Tugas utama
- Menganalisis funnel akuisisi dan menjalankan eksperimen untuk meningkatkan konversi.
- Mengatur anggaran dan bauran kanal pemasaran berdasarkan biaya dan nilai pelanggan.
- Menyusun strategi harga dan promosi bersama tim Risk.
- Memantau kompetitor di pasar pinjaman digital Indonesia dan merumuskan insight.
- Membuat proyeksi target portofolio serta melaporkan kinerja pertumbuhan.
Kualifikasi utama
- Minimal S1 bidang kuantitatif; S2 Bisnis atau Keuangan menjadi nilai tambah.
- Pengalaman 3–5 tahun di growth, performance marketing, strategi fintech, atau lending.
- Mahir pemodelan spreadsheet tingkat lanjut, SQL, dan analisis hasil A/B testing.
- Memahami unit economics pinjaman dan lingkungan regulasi pinjaman digital.
- Fasih berbahasa Indonesia dan Inggris; pengalaman performance marketing diutamakan.
Ringkasan ini dibuat dengan AI dari deskripsi di bawah. Yang berlaku adalah deskripsi lengkapnya di situs Cermati.
Deskripsi pekerjaan
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.
Min Bachelor degree in quantitative field (economics, finance, natural science); Master in Business/Finance related area is a plus 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