Product Manager · Digital Lending & Fintech

Hamdan Fauzi

Senior PM — credit, risk & AI-driven products in regulated fintechSenior PM — produk kredit, risiko & berbasis AI di fintech ter-regulasi

I build digital lending products end-to-end — turning manual, legacy workflows into measurable, scalable, and compliant platforms across acquisition, credit, risk, and collection.Saya membangun produk digital lending secara end-to-end — mengubah proses manual dan legacy menjadi platform yang terukur, skalabel, dan patuh regulasi, mencakup akuisisi, kredit, risiko, dan penagihan.

hamdanfauzi41@gmail.comlinkedin.com/in/hamdanfauzi
−57%
credit decision SLASLA keputusan kredit
3.3×
electronics salespenjualan elektronik
6→4%
first-installment defaultfirst-installment default
87%
AI model accuracyakurasi model AI
1→6
partners integratedmitra terintegrasi

AboutTentang

Product Manager with 7 years in OJK-regulated multifinance, five-plus of them in product. I grew from Management Trainee to a Product Manager–level role at KB Finansia (KreditPlus), and now lead digital platforms at Sinarmas Multifinance. I work across engineering, design, risk, and compliance — turning ambiguous business problems into testable specs and measurable outcomes.Product Manager dengan 7 tahun di multifinance yang diatur OJK, lima tahun lebih di antaranya pada peran product. Saya tumbuh dari Management Trainee sampai peran setara Product Manager di KB Finansia (KreditPlus), dan kini memimpin platform digital di Sinarmas Multifinance. Saya bekerja lintas engineering, design, risk, dan compliance — mengubah masalah bisnis yang ambigu jadi spesifikasi teruji dan outcome terukur.

I judge my work by outcomes, not output — the KPI that moved, not the features I shipped.Saya menilai kerja dari outcome, bukan output — KPI yang bergerak, bukan fitur yang dirilis.
Hamdan Fauzi

JourneyPerjalanan

A through-line: since 2019 I've been turning credit and collection decisions from gut-feel into data — from a manual call-priority list to an AI engine at scale.Benang merahnya: sejak 2019 saya mengubah keputusan kredit dan penagihan dari feeling menjadi berbasis data — dari daftar prioritas telepon manual hingga mesin AI di skala besar.

seniority & impact ↑collection → marketingplatforms · partners 1→6credit journeys · SLA ↓AI · ICDPManagement Trainee2019 – 2021Product Owner level2021 – 2023Product Manager level2023 – 2025PM · Sinarmas2025 – now
Turned a reactive collection process into data-driven decisions at scale — building ICDP, an AI prioritisation engine now guiding 200+ field agents.Mengubah proses penagihan reaktif jadi keputusan berbasis data di skala besar — membangun ICDP, mesin prioritisasi AI yang kini memandu 200+ agen lapangan.
Product Manager · Sinarmas Multifinance · 2025–nowProduct Manager · Sinarmas Multifinance · 2025–kini
ICDP · AI collectioncollection 42→56%FID 6% → 4%
Scaled two lending lines responsibly — risk-tiered journeys and tiered credit limits that cut approval time without loosening risk.Menskalakan dua lini lending secara bertanggung jawab — journey bertingkat risiko dan credit limit berjenjang yang memangkas waktu approval tanpa mengendurkan risiko.
Senior Product Development (Product Manager level) · KB Finansia · 2023–2025
SLA 5d → 1d 6hBest Product Vision 2024
Turned hard-coded, embedded logic into reusable platforms — a dealer app, an API gateway, and a configurable marketing service.Mengubah logika yang tertanam dan hard-coded jadi platform reusable — aplikasi dealer, API gateway, dan Marketing Service yang bisa dikonfigurasi.
Product Development (Product Owner level) · KB Finansia · 2021–2023
partners 1 → 6active dealers +50%
Started the data-driven thread — a manual call-priority list that became the seed of ICDP; as acting Marketing Head, lifted sales while holding early default near zero.Memulai benang merah berbasis data — daftar prioritas telepon manual yang jadi cikal bakal ICDP; sebagai acting Marketing Head, menaikkan penjualan sambil menjaga default awal mendekati nol.
Management Trainee · KB Finansia · 2019–2021
sales ~150% of targetcollection rate 8% → 15%

Selected WorkKarya Terpilih

Problems I've owned end-to-end — the decisions behind them, and the outcomes they drove.Masalah yang saya tangani end-to-end — keputusan di baliknya, dan dampak yang dihasilkan.

01
ICDP — From Gut-Feel to Data-Driven CollectionICDP — Dari Gut-Feel ke Penagihan Berbasis Data
Building an AI early-warning platform for an OJK-regulated multifinance lenderMembangun platform AI early-warning untuk lender multifinance yang diatur OJK
Collection visits 42 → 56% (pilot) · AI Summit 2026 — 2nd place
Kunjungan sukses 42 → 56% (pilot) · Juara 2 AI Summit 2026
→
02
LOS Pega — From Ping-Pong to One Clean DecisionLOS Pega — Dari Bolak-Balik ke Satu Keputusan Bersih
Redesigning the credit-decision engine for an OJK-regulated multifinance lenderMerombak mesin keputusan kredit untuk lender multifinance yang diatur OJK
Decision TAT −57% (7 → 3 days) · analysis to 1 day
TAT keputusan −57% (7 → 3 hari) · analisa jadi 1 hari
→
03
Used-Car Financing — From WhatsApp to One-Day ApprovalPembiayaan Mobil Bekas — Dari WhatsApp ke One-Day Approval
The 0→1 digitalization that turned a loss-making line profitableDigitalisasi 0→1 yang membalikkan lini merugi menjadi untung
Approval SLA 5d → 1d 6h · line back to profit
SLA approval 5 hr → 1 hr 6 j · lini kembali profit
→
04
Electronics Financing — From Transactions to RelationshipsPembiayaan Elektronik — Dari Transaksi ke Relasi
Turning a per-purchase process into a credit limit, priced by riskMengubah proses per-pembelian menjadi sebuah credit limit, dihargai sesuai risiko
Sales more than tripled (1.5B → 5B) · fraud sharply reduced
Penjualan lebih dari 3× (1,5M → 5M) · fraud turun tajam
→
05
Dealer Platform & API Gateway — From One Partner to a PlatformPlatform Mitra & API Gateway — Dari Satu Mitra ke Sebuah Platform
Building the dealer-facing platform (Deasy) and a reusable integration gateway (KP Hub)Membangun platform untuk dealer (Deasy) dan gateway integrasi yang reusable (KP Hub)
Partners 1 → 6 · active dealers +50%
Mitra 1 → 6 · dealer aktif +50%
→
06
Marketing Service — From Hardcoded Promos to 10-Minute ProgramsMarketing Service — Dari Promo Hardcoded ke Program 10 Menit
Decoupling program logic and financing calculation from the acquisition appsMemisahkan logika program dan perhitungan pembiayaan dari aplikasi akuisisi
Program launch: weeks → minutes
Peluncuran program: minggu → menit
→

Get in touchHubungi saya

Open to Senior Product Manager and product roles across lending, BNPL, and payments — and conversations on regulated fintech, AI-driven products, and modernizing legacy operations.Terbuka untuk peran Senior Product Manager dan product di lending, BNPL, dan payments — serta obrolan seputar fintech ter-regulasi, produk berbasis AI, dan modernisasi operasi legacy.

Emailhamdanfauzi41@gmail.comWhatsApp+62 822-8532-8047PhoneTelepon+62 822-8532-8047LinkedInlinkedin.com/in/hamdanfauzi
Compose email →Tulis email →Chat on WhatsAppChat WhatsAppDownload CV ↓Unduh CV ↓