- 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
Job description provided by Cermati.
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