Senior Business Data Analyst

About Amartha

At Amartha, we empower micro-businesses across Indonesia, enabling growth and equal prosperity. We’ve supported over 2.7 million entrepreneurs—mostly women—by disbursing IDR 22.8 trillion in funding. As we step into 2025, Amartha is evolving into a technology-driven financial ecosystem, expanding our reach in lending, funding, and payments. Through innovation and digital solutions, we aim to enhance accessibility, streamline processes, and create a seamless user experience.

About the Role

As a Business Data Analyst for Partnership Lending Team who will drive growth of Amartha’s new products and Increase efficiency by utilizing data-driven analytics. You will bridge data-driven decision-making and project management for our digital lending initiatives. This hybrid role requires dual expertise in analytics and product ownership: you will dive deep into data to uncover insights while leading cross-functional projects, defining product requirements, and driving execution. You will own the end-to-end delivery of solutions.

Key Responsibilities

1. Product Strategy:

• Define product requirements, roadmaps, and success metrics for digital lending projects, grounded in data insights.
• Prioritize features and initiatives by analyzing customer behavior, financial performance, and market trends to optimize our lending product’s performance and customer experience.
• Collaborate with stakeholders (Product, Risk, Operations) to align data insights with product development.

2. Advanced Data Analytics

• Extract, transform, and analyze data using SQL to identify trends, risks, and opportunities.
• Build and maintain dashboards to monitor KPIs, product adoption, and operational efficiency.
• Use Python (optional) for predictive modeling, automation, or scenario simulations to inform product decisions.

3. Project Leadership

• Lead the end-to-end execution of projects, from ideation to delivery, ensuring alignment with business goals.
• Validate hypotheses through A/B testing, customer feedback, and field visits.
• Act as the primary liaison between technical teams and business stakeholders.

• 4+ years of experience in data analytics and/or product ownership/management, preferably in fintech, lending, or digital products.
• Expert SQL skills for complex data analysis.
• Proficiency in dashboarding tools (Tableau, Power BI, Metabase).
• Proven experience leading cross-functional projects and managing stakeholders.
• Strong ability to translate data insights into product requirements and business cases.
• Willingness to travel once per month for research and field visits.
• Python skills for advanced analytics or automation.
• Experience with credit risk modeling or customer lifecycle analysis.
• Courage to challenge assumptions.
• Strong leadership presence to inspire teams and drive projects to completion.

At Amartha, we are dedicated to creating a workplace that celebrates diversity, ensures equity, and fosters inclusion. We believe that diverse perspectives—shaped by factors such as gender, age, race, ethnicity, education, culture, and life experiences—drive innovation and growth.

We actively welcome individuals from all backgrounds to join us in building an environment where everyone feels respected, valued, and empowered. Our commitment is to provide equal opportunities and foster a sense of belonging that enables our employees to thrive and make meaningful contributions.