Senior Manager - Product/Analytics & Technology
First seen by Alion on Nov 10, 2026.
KEY RESPONSIBILITIES:
A. LOS Product Ownership and Delivery:
- Own the product vision, roadmap and backlog for FLIN's Loan Origination System across all programs and markets.
- Translate business, credit and compliance needs into PRDs, user flows, business rules and API specifications; prioritise by business value, risk and effort.
- Manage the LOS implementation partner and internal engineers on scope, timelines, quality, UAT and change control; hold vendors to agreed deliverables.
- Design and own integrations with the CRM, credit bureaus (CLIK, AFPI, CIBI - PH), bank statement analysers, document and identity (KTP/OCR) checks, e-signature and payment platforms.
- Lead data migration of customer and historical application data into the LOS and data mart.
B. Credit Decision Engine and Risk Analytics:
- Design and build a configurable credit decision engine: knock-out rules, eligibility and affordability (FOIR/TOIR, DSR), scorecards, pricing and limit or tenor assignment, and deviation management.
- Develop and maintain application, bureau and behavioural scorecards and PD models (e.g., logistic regression, gradient boosting), using bureau, bank-statement, employment and repayment data.
- Run champion-challenger tests and policy simulations to increase approvals for creditworthy customers without raising risk.
- Work with the Credit Risk team to set risk appetite, cut-offs and approval authority by risk band, and to monitor model performance, stability and fairness.
- Use alternative and unstructured data (bank-statement categorisation, employer and company signals, LLM-assisted document and income checks) to sharpen decisions.
C. End-to-End Journey Automation and Portfolio Management:
- Map and automate the full journey from lead and application through verification, Queries and Interview, underwriting, IPA, debt confirmation, loan kit and disbursement, to servicing.
- Remove manual work through workflow automation, STP, auto-calculation and AI agents, cutting TAT and cost per file.
- Build portfolio management tools: early-warning signals, vintage and roll-rate monitoring, and collections and mediation strategies by risk segment.
- Partner with Customer Success, Credit, Operations, M and N and Finance so that automation improves both customer experience and portfolio quality.
D. Data Platform, Analytics and Reporting:
- Build FLIN's lending data platform: a single customer view, data mart, event tracking and a governed metrics layer.
- Deliver self-service dashboards and management reporting on funnel conversion, approvals, TAT, disbursements, portfolio quality and unit economics.
- Turn data into clear, actionable recommendations for the CEO and leadership team, including weekly performance reviews and monthly business reviews.
E. Team Building and Leadership:
- Hire, develop and lead a high-performing Product, Analytics and Technology team, scaling it in line with business volumes and new markets.
- Set clear goals, OKRs, engineering and data standards, and a delivery rhythm; coach team members and hold them to account.
- Create a culture of ownership, quality and pace that reflects FLIN's Guiding Principles.
F. Governance, Security and Compliance:
- Ensure the platform and decisioning meet applicable regulations in each market, including OJK requirements and Indonesia's Personal Data Protection Law (UU PDP No. 27 of 2022) in Indonesia, and the Data Privacy Act (RA 10173) in the Philippines.
- Build in audit trails, maker-checker controls, role-based access, consent management and model governance (documentation, validation and approvals).
- Work with Legal, Compliance and Information Security on data security, vendor risk and business continuity.
REQUIREMENTS:
- Bachelor's degree in computer science, Engineering, Statistics, Mathematics, Economics, or a related field from a reputable university. An MBA or a master's degree in a quantitative discipline is an advantage.
- 6 to 10 years of experience across product management, analytics, and/or technology in lending, fintech, NBFC, or banking.
- A proven track record of building and launching a Loan Origination System, credit decision engine, or risk platform end-to-end, from requirements to live operation.
- Hands-on experience with credit risk modelling and decisioning: scorecards, PD models, policy rules, bureau and bank-statement data, and affordability assessment.
- Measurable results in approval rates, conversion, TAT or STP, and in portfolio quality (e.g., lower bounce, delinquency or bad rates).
- Experience leading cross-functional teams of analysts, data scientists and engineers, and managing technology vendors.
- Strong command of PRDs, user journeys, functional specifications and API behaviour; comfortable working directly with architects and engineers.
- Advanced SQL and Python; working knowledge of ML libraries (e.g., scikit-learn, XGBoost/LightGBM).
- BI and product analytics tools (e.g., Tableau, Power BI, Metabase, Mixpanel); experimentation and A/B testing.
- REST APIs, webhooks, and system integration; familiarity with cloud platforms and data pipelines.
- Delivery tools (e.g., JIRA, Asana) and AI productivity tools (e.g., Claude, ChatGPT).
- Excellent written and spoken English; working knowledge of Bahasa Indonesia is an advantage.
Hiring Process:
- Initial screening by the recruiter/ Human Capital team
- Submission of a business-case assignment (LOS and credit decisioning)
- Two rounds of interviews, including with the Founder and CEO
- Offer to the candidate
- Reference check
Skills
IT Product Management, IT Product Strategy, Product Roadmap, IT Jobs in BFSI, Python, SQL