[DID] Product Specialist - Contract

About DANA

DANA is a leading Indonesian digital wallet platform committed to making every transaction simple, secure, and accessible. As a homegrown fintech company, we serve millions across Indonesia with cashless solutions—from payments and transfers to investments. We aim to build a trusted and inclusive financial ecosystem, driven by innovation, collaboration, and continuous learning.

Join us and be part of Indonesia’s digital transformation journey!

📌 What We’re Looking For: Product Specialist

We are looking for a Product Specialist to drive the development of scalable and compliant financial products, particularly within lending and financial systems domains. This role will work closely with engineering, data, risk, finance, and compliance teams to deliver impactful solutions that align with business goals and regulatory requirements.

You will play a key role in owning the product lifecycle, translating complex financial and regulatory needs into product solutions, and ensuring seamless execution across cross-functional teams.

What You Will Do :

Own and drive the end-to-end product lifecycle from discovery, development, launch, to continuous improvement
Translate business, financial, and regulatory requirements into clear product specifications and user stories
Collaborate closely with engineering, data, risk, finance, and compliance teams to deliver scalable and compliant solutions
Build and enhance financial systems, particularly within lending lifecycle and accounting integration
Define and manage product roadmap, backlog, and prioritization in an agile environment
Drive data-informed decision making through analysis, experimentation, and performance tracking
Ensure alignment of product solutions with regulatory requirements and internal governance
Identify risks, dependencies, and trade-offs across product initiatives and proactively manage them
Act as a key bridge between business, technical, and regulatory stakeholders

What You Will Need :

Bachelor’s degree in Computer Science, Engineering, Business, Finance, or a related field
3–6 years of experience in Product Management, preferably in fintech or financial services
Strong problem-solving skills with the ability to structure and solve complex problems
Experience working with cross-functional teams in agile environments
Strong communication and stakeholder management skills
Data-driven mindset with experience using analytics to support product decisions

Financial Systems Literacy
Understanding of double-entry bookkeeping and General Ledger (GL) / Chart of Accounts structure
Familiarity with loan lifecycle: origination → disbursement → repayment → closure/write-off
Knowledge of amortization methods (flat rate, effective rate, annuity) and their impact on P&L
Understanding of PSAK 71 / IFRS 9 provisioning and its impact on financial reporting and GL entries
Familiarity with collection processes including bucket management, restructuring, write-off, and recovery

Regulatory Knowledge
Familiarity with OJK regulations for multifinance companies (POJK 35/2018 and updates)
Understanding of reporting obligations such as SLIK/SID, LBU, and capital adequacy ratios
Knowledge of AML/KYC requirements and PPATK compliance
Awareness of data privacy and residency regulations (UU PDP)

Systems & Technical Awareness
Understanding of real-time vs batch processing (e.g., end-of-day GL posting)
Familiarity with system integration flows such as Core System → GL and LOS → LMS → CMS
Comfortable working with engineering teams on system architecture, integrations, and data flows

Preferred Qualifications :

Experience in building or managing lending, credit, or financing products
Exposure to accounting systems, financial reconciliation, or audit processes
Experience working in regulated industries such as fintech, banking, or multifinance
Familiarity with system integrations, APIs, and platform-based product development
Strong analytical thinking with attention to detail

🎯 Ready to Apply?

If you are passionate about building impactful financial products and enjoy solving complex problems in a fast-paced, highly regulated environment, we would love to hear from you. Apply now and grow with us at DANA.