---
title: 'Senior Product Owner - Amar Bank Bisnis at Amar Bank'
canonical: 'https://feeny.ai/job/senior-product-owner-amar-bank-bisnis-amar-bank-jakarta-kcw3mh6r5k9z'
type: 'job'
last_seen: '2026-09-16'
---

# Senior Product Owner - Amar Bank Bisnis at Amar Bank

- **Company:** Amar Bank
- **Location:** Jakarta, Indonesia
- **Employment:** contract
- **Work type:** onsite
- **Posted:** 2026-07-17
- **Last confirmed live:** 2026-09-16
- **Apply:** https://jobs.lever.co/amarbank/5ebaf70c-6872-4d4f-9abc-3bcfe7ce5f61

## Job description

Who are we?

Amar Bank is one of the most technologically advanced digital banks in Indonesia. Our leading digital lending product, Tunaiku has the distinction of being the first FinTech product in Indonesia. We are also the first digital bank on the cloud. As the first profitable digital bank, we managed to get listed on the Indonesian Stock Exchange.

How did we manage to do that?

We are changing people’s perception of a bank. We believe we are the innovators who combine customer focus principles with creating technology-based impact. We incorporate freedom and flexibility as part of our startup working culture DNA to encourage innovation in creating better financial solutions for the banking industry. We think of ourselves as, ‘A technology company with a banking license’. For this reason, we ‘Act like a FinTech, and think like a Bank.’

How did it all start?

Founded on March 15, 1991, in Surabaya as PT Anglomas International Bank (Amin Bank), the bank was acquired by Tolaram Group and transformed to PT Bank Amar Indonesia (Amar Bank) in 2014. It has then undergone a significant digital transformation to become one of the country's forerunning fintech institutions through its award-winning digital lending platform, Tunaiku.

Our philosophy, mission, and vision

Technology must impact lives, must improve lives. We exist to provide banking to those who ‘need’ and not only to those who ‘want’. Services when provided to those who need at the time of their need brings smiles. Our vision is to bring 200 million smiles.

More about the bank with startup culture environment

Consist of 1000+ people, you will meet people who love to grow, dream big, and actually have fun at the workplace! We provide a great working environment that pushes people to grow outside their comfort zone. People with high drive and ambition find us a very attractive place to work as their career growth matches their own drive and not any staid policies. Thus we hold the honor of being awarded “Best Place to Work in Indonesia”.

Recently Amar Bank was awarded as Inspirational Brand from APEA (Asia Pacific Enterprise Awards) 2022. Of course, our innovation won't stop here. So if you would love to be a part of it, have a growth mindset, and are constantly hungry for challenges, we invite you to join us in our journey to ‘Impact Lives’.

Join us today and create #unlimitedinnovations!

Amar Bank is hiring a Senior Product Owner to take on initiatives across our digital banking portfolio: digital banking (retail & business), embedded banking, Tunaiku, or wherever the next priority lands. This isn't a backlog-management role, and it's not a "ship it and move on" role either. The person we're looking for can take a goal and a specific performance measure, then carry both through a full cycle: release, measure, analyze, and reach a documented decision on whether to continue, adjust, or drop it.

You'll sit at the intersection of strategy, data, design, and engineering, turning fairly open-ended business goals ("increase FX transaction volume by 30%", "cut onboarding drop-off in half") into something that actually ships and gets validated. And you stay on the hook for it until there's a real, evidence-backed conclusion, not just a launch announcement.

## Responsibilities

- Lead end-to-end discovery: customer interviews, market/competitive analysis, and problem validation before committing to solutions

- Coordinate across Product, Design, Research, Engineering, Business, Operations, and Compliance without formal authority, aligning all parties on scope, sequence, and definition of completion

- Partner with engineering to scope technical feasibility, trade-offs, and delivery timelines

- Partner with design on UX flows, critique prototypes, and run usability validation before build

- Work within established SDLC, PRD, and experimentation standards, and raise compliance or risk implications at the earliest opportunity rather than working around them

- Define, prioritize, and continuously groom the product backlog using structured frameworks (RICE, weighted scoring, or equivalent)

- Write clear PRDs, user stories, and acceptance criteria that engineering and design can execute against without ambiguity

- Define the metrics and data behind each assigned measure, and confirm they represent what they're intended to before drawing conclusions

- Design and run experiments (A/B tests, phased rollouts) with proper control groups and no unmanaged overlapping tests, to validate hypotheses and inform go/no-go decisions

- Release each increment, measure its performance, analyze the outcome, and document a decision to continue, adjust, or discontinue

- Own any defect, incident, or operational issue that arises between release and conclusion, mobilizing the right people to resolve it and stabilize the initiative

- Report progress and outcomes to leadership with clear, data-backed narratives

- Move flexibly across the bank's product portfolio as priorities are re-ranked, picking up new initiatives quickly and carrying each to a completed, documented conclusion

- Evaluate where AI/ML can meaningfully improve the product experience or internal workflow, and scope those initiatives responsibly

## Requirements

- 5+ years in product management/ownership roles, with at least 2 years in mobile digital banking, fintech, or a comparably regulated, high-stakes consumer product environment

- Demonstrated ownership of a product area from ambiguous goal to a documented, evidence-based conclusion, not just feature delivery

- Experience working within compliance/risk-constrained environments (banking, payments, or similarly regulated industries preferred), including adherence to SDLC and formal experimentation standards

- Track record of running rigorous experiments (with proper control groups) and using data to kill, adjust, or scale ideas

- Experience coordinating delivery across multiple functions without direct authority over them

- Comfortable moving across different product areas as priorities shift, and picking up unfamiliar initiatives quickly

- Comfortable operating with a high degree of autonomy and ambiguity

We exist to innovate and maintain the architecture of Amar Bank's products. As part of our main focus to create through technology we ensure the process and technology we use helps maintain and build human connection at scale.

It’s our job to plan, monitor, and control the technology growth so we can provide a faster, more convenient, and more efficient way of performing business transactions.

## About Amar Bank

## Company Overview
- **One-liner**: Amar Bank is an Indonesian digital bank offering AI-powered savings, deposits, and lending services, focused on financial inclusion for unbanked and underbanked individuals and MSMEs.
- **Entity Type**: Public (IDX: AMAR)
- **Headquarters**: Jakarta Selatan, Indonesia
- **Founded**: 2014 (digital banking operations began)
- **Founders**: Not publicly available

## Core Business
- **Primary industry**: Digital banking / consumer finance
- **Target customers**: B2C (individuals, especially unbanked/underbanked) and B2B (MSMEs, corporate lending)
- **Mission**: Empower individuals and MSMEs through financial health and genuine inclusion, creating smiles for 200 million people.

## Products & Services
- **Tunaiku**: Digital lending platform offering personal loans up to IDR 30 million with flexible tenors up to 30 months. Served over 14 million applicants and disbursed over IDR 9 trillion in loans as of 2023.
- **Celengan**: Flexible savings account with 5.5% p.a. interest, credited daily.
- **Deposito**: Time deposit with competitive rates up to 9% p.a.
- **Corporate Lending**: Business loans and financing solutions for enterprises (indicated by job postings for Corporate Lending Circle Lead).

## Market Standing
- **Valuation/Market Cap**: IDR 3,184,525 million (approx. US$199 million) as of May 2025 (Reuters).
- **Key Metric**: Annual revenue not publicly disclosed in USD; Price-to-Sales ratio (TTM) of 1.90 implies revenue around IDR 1.67 trillion (~US$104 million). Total loans disbursed via Tunaiku exceed IDR 9 trillion.
- **Notable Investors/Partners**: SBI Group (post-IPO equity 2025), Investree (post-IPO secondary 2022). Regulated by OJK and participant in LPS deposit guarantee.
- **Growth Signals**: 464 employees (+3.2% YoY); 83,614 LinkedIn followers (+26.4% YoY); active hiring across multiple roles; Tunaiku’s strong loan portfolio growth.

## Competitive Advantages
- **Pioneering digital bank in Indonesia**: One of the first fully digital banks licensed and supervised by OJK.
- **AI-powered personalization**: Uses AI and cloud technology to tailor savings, payments, and financial management.
- **Strong brand in inclusive lending**: Tunaiku has a proven track record of serving the unbanked/underbanked, with wide geographic reach.
- **Deposit insurance**: Customer deposits are guaranteed by LPS up to IDR 2 billion.

## Strategic Focus
- **Deepening digital banking**: Expanding AI-driven features for savings, payments, and lending.
- **Scaling MSME and corporate lending**: Building out corporate lending teams and products.
- **Geographic expansion**: Hiring field collection and customer experience roles across multiple Indonesian cities (Surabaya, Makassar, Palembang, etc.).
- **Talent acquisition**: Actively recruiting for technology, finance, commercial banking, and retail banking roles to support next growth phase.

## Why Work Here
- **Culture**: Emphasizes “Unlimited Innovation” and a highly collaborative team environment.
- **Work model**: On-site positions in Jakarta and other Indonesian cities.
- **Engineering focus**: Multiple Head of Engineering roles and tech teams; use of AI in products and hiring processes.
- **Growth opportunity**: Public company with strong headcount growth and expanding product lines.
- **Employer rating**: 3.7/5 on LinkedIn (57 reviews), with culture rated 3.6 and career opportunities 3.4.
- **Perks**: Not explicitly listed, but the bank offers competitive financial products and a mission-driven environment focused on financial inclusion.

## Sources
1. [amarbank.co.id](https://amarbank.co.id/)
2. [jobs.lever.co/amarbank](https://jobs.lever.co/amarbank)
3. [linkedin.com/company/ptbank-amar-indonesia-tbk](https://id.linkedin.com/company/ptbank-amar-indonesia-tbk)
4. [reuters.com/markets/companies/AMAR.JK](https://www.reuters.com/markets/companies/AMAR.JK)
5. [amarbank.co.id/karir](https://amarbank.co.id/karir)

## Other roles at Amar Bank

- [Business Analyst (MSME)](https://feeny.ai/job/business-analyst-msme-amar-bank-jakarta-w5dcch1xfpfr) — Jakarta, Indonesia
- [Funding Team Lead - Branch Satrio](https://feeny.ai/job/funding-team-lead-branch-satrio-amar-bank-jakarta-nnybbm2rfy2n) — Jakarta, Indonesia
- [Customer Experience Retail (Kurir/Surveyor) – Semarang](https://feeny.ai/job/customer-experience-retail-kurir-surveyor-semarang-amar-bank-surabaya-p928apyfhdv1) — Surabaya, Indonesia
- [Customer Operations Intern](https://feeny.ai/job/customer-operations-intern-amar-bank-jakarta-4swrz1hmc72c) — Jakarta, Indonesia
- [Area Partnership Development Team Lead - Semarang](https://feeny.ai/job/area-partnership-development-team-lead-semarang-amar-bank-semarang-bvxa6bmskaby) — Semarang, Indonesia
- [Credit Reviewer - Commercial & Corporate](https://feeny.ai/job/credit-reviewer-commercial-corporate-amar-bank-jakarta-q49wffmqxbea) — Jakarta, Indonesia
- [Senior Data Analyst - Digital Lending & Analytics](https://feeny.ai/job/senior-data-analyst-digital-lending-analytics-amar-bank-jakarta-kws1txthqx5r) — Jakarta, Indonesia
- [Legal & Litigation Intern](https://feeny.ai/job/legal-litigation-intern-amar-bank-jakarta-009eafnm9prj) — Jakarta, Indonesia
- [Corporate Funding Function Head](https://feeny.ai/job/corporate-funding-function-head-amar-bank-jakarta-d2541v9bzw75) — Jakarta, Indonesia
- [Corporate Funding Circle Lead - Department Head](https://feeny.ai/job/corporate-funding-circle-lead-department-head-amar-bank-jakarta-pxwdar54ynhy) — Jakarta, Indonesia