Loyalty and payments platforms
Built cross-brand loyalty and paylater products from zero to millions of users, then kept them running under live transaction load.
01
What I do
Platform and rules systems
Designed modular rules engines so several brands could share one platform without sharing one codebase.
Fraud and risk decisions
Turned promo abuse that only surfaced in monthly reports into rule-based prevention, cutting exposure by up to IDR 150M a month.
Leading product squads
Led cross-functional squads of five to ten people through roadmaps, PRDs, and a points migration that ran with no rollback option.
02
Experience
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Nov 2025 – Aug 2026
Confidential · cybersecurity & intelligence
Senior Product Manager
An Indonesian cybersecurity and intelligence company. Client name withheld under NDA; the scope below reflects the role.
Led a 7-person product squad; owned the roadmap and PRDs.
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Jun 2025 – Nov 2025
RSCM · Dr. Cipto Mangunkusumo National General Hospital
System Analyst
Indonesia's largest public hospital and national referral centre, handling roughly 5,000 outpatient visits a day.
Redesigned the employee remuneration flow and closed process gaps in the procurement and inventory systems.
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Apr 2024 – Apr 2025
ZU Loyalty Platform · Lippo Group
Product Manager
A cross-brand loyalty platform for Lippo Group, an Indonesian conglomerate spanning retail (Hypermart supermarkets), banking (Bank Nobu), and shopping malls.
~15M registered users, 2M monthly active users, 300K daily transactions, ~1,000 TPS at peak.
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Jul 2023 – Jan 2024
Horego
Product Manager
An Indonesian consumer app for food & beverage discovery and dining deals.
+20% engagement in 60 days; +15% GMV on the voucher marketplace.
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Nov 2020 – Jun 2023
Cashbac
Product Manager
An Indonesian consumer cashback and payments app with 1,000+ merchant partners.
+40% monthly active users, +35% transaction volume, +25% payment adoption, and potential fraud exposure cut by up to IDR 150M per month.
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Sep 2019 – Jan 2020
Kredivo
Product Manager
An Indonesian buy-now-pay-later (BNPL) app.
+20% credit-approval efficiency, −15% invalid registrations.
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Dec 2016 – Sep 2019
Accenture Indonesia
Product Owner
The Indonesia office of Accenture, a global consulting and technology firm; delivered SAP CRM implementations for enterprise clients.
+25% operational efficiency; trained 100+ end users.
03
Case studies
Case 01 · ZU, Lippo Group
Building a cross-brand loyalty platform from scratch
- 15M
- Registered users
- 2M
- Monthly active
- 300K
- Daily transactions
- 1,000
- TPS at peak
- Context
- Lippo Group runs retail (Hypermart), banking (Bank Nobu), and shopping malls, each with its own loyalty program. Points did not transfer across brands, so customers had no reason to be loyal to the group: only to a single store.
- Problem
- Build one loyalty platform that unifies three business entities with different points rules, without stopping live transactions.
- Decision
- Built ZU from scratch as a cross-brand platform with a modular rules engine (earning, burning, promo conversion) so each brand could keep its own points mechanics without touching core code. Led a points-balance migration across three brands at once, while the old loyalty engine was shut down in parallel with no rollback option.
Balance migration completed with zero reconciliation errors. For scale: ~15M users is roughly 6% of Indonesia's 235M internet users.
Case 02 · Cashbac
Launching Paylater
- +40%
- Monthly active users
- +35%
- Transaction volume
- +25%
- Payment adoption
- Context
- Cashbac, an Indonesian cashback app with 1,000+ merchant partners.
- Problem
- User and transaction growth had slowed, and the app had no payment method that attracted new users.
- Decision
- Shipped a Paylater MVP with fast KYC and no hidden fees or interest, then expanded payment channels (GoPay, BCA Debit) and tightened the activation funnel.
Case 03 · Cashbac
Preventing promo fraud
- IDR 150M
- Per month in potential fraud exposure cut
- Context
- Users were exploiting gaps in promo terms and conditions to collect extra rewards.
- Problem
- Losses from promo abuse were not visible per transaction; they only surfaced as leakage in monthly reports.
- Decision
- Analyzed transaction anomalies with SQL, then built rule-based prevention together with an internal fraud analyst and a third-party provider.
04
How I think about product
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P1
Validate the problem first
Before measuring anything, I test whether the problem is real: competitor research, user interviews, or standing in the user's own shoes.
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P2
Impact over effort
Once the problem is validated, I map it: big or small impact, big or small effort. Only one quadrant is out of bounds.
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P3
Not a yes-man
I am not a yes-man, not to leadership, not to users, not to engineers. I weigh every request and answer with reasons.
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P4
Design for a five-year-old
I design as if the user is five years old: assume nothing is understood, and make the problem solvable and the goal reachable.
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P5
Security over smooth UX
When the data says a risk is real, I choose the safeguard over a smoother flow: better a little friction than a breached account.
05
Contact
I'm open to Senior Product Manager roles and product-leadership conversations.
CV available on request.