DANA is a leading Indonesian digital wallet platform committed to making every transaction simple, secure, and accessible. As a Product Specialist, you will drive the development of scalable and compliant financial products, particularly within lending and financial systems domains.
Requirements
- 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
Benefits
- Opportunity to work with a leading Indonesian digital wallet platform
- Chance to drive the development of scalable and compliant financial products
- Collaborative and fast-paced work environment