JOB DETAILS

Head of Strategy & Growth Cash Loan

CompanyCermati.com
LocationCentral Jakarta
Work ModeOn Site
PostedMay 4, 2026
About The Company
Cermati Fintech Group (CFG) is a fast growing financial technology company group established in April 2015. We're on a mission to build a more inclusive financial future by making financial products more accessible to people across Indonesia. Our businesses span a wide range of services including financial product aggregation, financing, cash loans, insurance brokerage, as well as mutual fund and bond investments. We launched our first product, Cermati, a financial services aggregator, in 2015. Since then, we've expanded rapidly with the introduction of Indodana (cash loan platform) in 2017, Cermati Protect (insurance brokerage) and Cermati Invest (investment platform) in 2019. In 2024, we introduced a new financing service through Indodana Finance, and rebranded our cash loan platform to Indodana Fintech further strengthening our ecosystem of digital financial solutions. 🔗 Learn more about us at https://cermati.group/
About the Role

Job Description

Strategy & Planning

  • Develop monthly budgets and performance targets for the Cash Loan business at Indodana Fintech.
  • Formulate business strategies to ensure growth aligns with predefined targets.
  • Collaborate with cross-functional teams to ensure all programs and experiments are executed as expected.
  • Define customer segmentation based on GMV potential, risk profile, and profit contribution.

Analysis & Performance Monitoring

  • Analyze disbursement trends, customer behavior, and loan application performance to evaluate and refine strategies.
  • Prepare and analyze periodic business performance reports.
  • Provide recommendations for improvements and business development to support long-term sustainability.

Cross-Functional Coordination

  • Work closely with the Risk team to ensure accurate and profitable customer segmentation.
  • Collaborate with Marketing and Marketing Technology teams to align marketing strategies with budget and customer segments.
  • Partner with Compliance and Finance teams to ensure the business model adheres to applicable regulations and policies.
  • Coordinate with the IT team to ensure optimal product experience aligned with customer segmentation.
  • Engage in additional cross-department collaboration as required to support business growth.

Qualifications

  • Bachelor’s degree (S1) in Business, Economics, Communication, Management, or a related field.
  • Minimum 5 years of experience in Business Development or Growth, with at least 2 years in a supervisory or managerial role.
  • Proven experience managing Profit & Loss (P&L) in financial services industries (banking, multifinance, fintech, or digital payments).
  • Strong experience in market, business, and customer segmentation analysis.
  • Demonstrated track record in achieving and managing sales targets.
  • Ability to collaborate effectively across cross-functional teams.
  • Strong analytical thinking and problem-solving capabilities.
  • Proficient in English, both written and spoken.
  • Solid understanding of the financial services industry, particularly banking and fintech.
  • Ability to develop business strategies, partnership proposals, and marketing plans.
Key Skills
Business StrategyGrowth StrategyFinancial AnalysisP&L ManagementCustomer SegmentationBudgetingPerformance MonitoringCross-functional CollaborationRisk ManagementMarketing StrategyData AnalysisProblem SolvingStrategic PlanningFinancial ServicesFintechBusiness Development
Categories
Management & LeadershipFinance & AccountingMarketingTechnology
Job Information
📋Core Responsibilities
The Head of Strategy & Growth will develop business strategies, budgets, and performance targets for the Cash Loan division. They will also coordinate with cross-functional teams including Risk, Marketing, and IT to ensure growth and operational alignment.
📋Job Type
full time
📊Experience Level
5-10
💼Company Size
504
📊Visa Sponsorship
No
💼Language
English
🏢Working Hours
40 hours
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