[LI] Product Specialist - Contract

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