Personal Loan Strategy & Growth
About the job
- A bachelor's degree in a quantitative field such as economics, finance, or natural science is required.
- Three to five years of experience in growth, performance marketing, consumer lending or fintech strategy, or lending business in Indonesia is required.
- Strong quantitative fluency, including advanced spreadsheet modeling, SQL, and the ability to interpret and act on A/B testing results, is required.
- Understanding of lending unit economics, including risk-adjusted margin, non-performing loans, and cost of funds, is required.
- Familiarity with the digital lending regulatory environment is required.
- Fluency in Indonesian and English is required.
- Maintain the acquisition funnel by partnering with Partnership and Marketing teams to diagnose performance drop-offs across the user journey and run experiments that improve conversion at each gate without degrading credit quality.
- Allocate budgets across digital marketing channels, referral, affiliate, and organic/direct channels, optimizing blended costs against customer lifetime value.
- Own pricing and promotional campaign strategy by partnering with Risk teams on rate-card testing and elasticity experiments, and converting results into compliant promotional mechanics.
- Track competitor activities and strategies in the Indonesian digital lending market and turn findings into actionable insights and campaign decisions.
- Forecast portfolio targets periodically, own growth performance reporting to the Head of Personal Loan Business, and ensure the Personal Loan portfolio performs according to budgets set for the period.
- A master's degree in a business- or finance-related area is a plus.
- Direct experience with performance marketing, including CRM, Google, or Meta, is preferable.
About the company
Cermati is a Jakarta-based fintech platform that helps Indonesians research, compare, and apply for financial products like credit cards, loans, mortgages, auto loans, savings, insurance, and bill payments. It aggregates information from banks and financial institutions into a standardized format so users can understand options and make informed choices. The service often handles parts of the application process for partners, earning commissions from successful applications rather than charging users. Its goal is to expand financial inclusion in Indonesia by making financial products easier to find, compare, and access for a population that's increasingly online but underserved in formal finance.
Company Size
501-1,000
Company Stage
Series A
Total Funding
$1.9M
Headquarters
Jakarta, Indonesia
Founded
2015
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Simplify's Take
What believers are saying
- July 2026 BCA funding expanded Indodana PayLater reach across 180 Indonesian cities.
- Cermati Protect launched multiple 2026 partnerships, showing active cross-sell and monetization.
- Series D rumors from 2024 suggest investors still see scalable value in Cermati.
What critics are saying
- BNPL default losses can hit Indodana Finance fast if consumer delinquencies rise in 2026.
- OJK fined dozens of firms in 2026, raising compliance risk for Indonesian lenders.
- Cermati depends on partner distribution; losing BCA, banks, or merchants weakens growth immediately.
What makes Cermati.com unique
- Cermati groups comparison, brokerage, and BNPL under one Jakarta fintech platform.
- Indodana Finance's BCA-backed IDR1.5 trillion facility deepens funding access for 2026 growth.
- Cermati Protect keeps bundling insurance with tiket.com, Bumame, and DR SPECS.
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Benefits
- Flexible Work Hours