Lead Technical Product Manager — Core Banking & Payment Systems · Jakarta, Indonesia
Product decisions built on the core banking stack itself.
Not just the roadmap layered on top of it — six years inside Temenos T24/Transact, from engineer to Lead Technical Product Manager.
Connect on LinkedIn6 yrs
Inside core banking, T24/Transact since day one
9 → 1
Account/customer domains unified onto one common service layer
<4 mo
POJK 24/2025 regulatory compliance, shipped end-to-end
01 · About
I came up as an engineer before moving into product.
My path started as an IT Core Banking intern in 2020, working directly inside T24/Transact, through junior and application developer roles, into product management in 2023. As an intern I recreated a time deposit product and prototyped a goal-based savings concept — years later, as Lead Technical Product Manager, I'm the one shipping that concept for real, now a target saving plan product with early payoff and top-up capabilities.
Alongside core account and customer ownership, I've extended into open banking and digital channel initiatives — BI-FAST, SNAP, GPN — supporting other product teams where payments infrastructure intersects with the account systems I own.
02 · Experience
One bank. Five roles. One thread.
Five roles at PT Bank Sinarmas Tbk — from core banking intern to Lead Technical Product Manager.
05Lead Technical Product Manager
Jan 2026 – PresentPT Bank Sinarmas Tbk
Leading the priority banking launch and multi-currency accounts — shipped POJK 24/2025 compliance in under 4 months.
Lead Technical Product Manager
Jan 2026 – PresentPT Bank Sinarmas Tbk
Leading the priority banking launch and multi-currency accounts — shipped POJK 24/2025 compliance in under 4 months.
- Lead a team of 1 PM and 1 intern PM, extending oversight to 2 additional PMs on transaction modules as needed, coordinating with 3 engineering squads (~9 engineers) under 1 engineering manager.
- Defined the product vision, solution approach, and requirements for the priority banking launch and a multi-currency account product — enabling a single account number to be used across multiple currencies per transaction.
- Leading vision, solution approach, and requirements for a group/community savings account (role-based access, up to 50 members), a pocket account feature for money management, and a target saving plan product with early payoff and top-up capabilities — currently in development.
- Delivered POJK 24/2025 compliance in under 4 months — account status lifecycle (active → inactive → dormant) and automatic closure of zero-balance accounts.
- Leading implementation of daily end-of-day (COB) processing and core banking monitoring tools; directed team delivery of four further initiatives spanning savings products, cheque data cleanup, and onboarding systems.
- Built internal tooling and documentation to scale the PM function — an automated cross-team tracking tool (Google Sites + Apps Script), onboarding guidelines for incoming PMs, and a product knowledge base.
04Technical Product Manager
Jun 2023 – Dec 2025PT Bank Sinarmas Tbk
Drove the shift from channel-specific to common service architecture across nine account and customer domains.
Technical Product Manager
Jun 2023 – Dec 2025PT Bank Sinarmas Tbk
Drove the shift from channel-specific to common service architecture across nine account and customer domains.
- Drove the shift from channel-specific to common service architecture across nine account and customer domains, eliminating duplicated channel-specific logic and shortening go-to-market for new account variants.
- Led a squad of 1 PM and 5 engineers delivering the common service architecture for the asset management domain.
- Defined the vision, solution approach, and requirements for the branch operations (customer service) system revamp.
- Delivered five regulatory and compliance implementations end-to-end: UU PDP customer consent, customer risk profiling, the SNAP open banking standard, fraud detection, and SLIK reporting data adjustments.
- Extended scope beyond core account/customer product ownership to support open banking and digital channel initiatives (BI-FAST, SNAP, GPN) for other product teams.
- Automated the branch closure process and led the technical upgrade of AMQ messaging infrastructure to its latest release.
- Named finalist for Employee of the Year as core banking technical product manager, 2024 and 2025.
03General Banking Application Developer
Jun 2022 – Jun 2023PT Bank Sinarmas Tbk
Led a core banking service pack upgrade end-to-end in 4 months.
General Banking Application Developer
Jun 2022 – Jun 2023PT Bank Sinarmas Tbk
Led a core banking service pack upgrade end-to-end in 4 months.
- Organized and led a cross-functional team through a core banking service pack upgrade in 4 months via requirement analysis, stakeholder management, and action planning.
- Built custom Java-based plugins for Red Hat AMQ to log core banking transactions, delivered in 2 months; triaged production issues under pressure and mentored new hires to full contribution within 9 months.
02Retail Banking Junior Developer
Nov 2020 – May 2022PT Bank Sinarmas Tbk
Built a Java-based checksum program that improved core process speed 20x.
Retail Banking Junior Developer
Nov 2020 – May 2022PT Bank Sinarmas Tbk
Built a Java-based checksum program that improved core process speed 20x.
- Built a Java-based checksum program that improved core process speed 20x.
- Supported the application manager in upgrading the core banking system to its latest release.
01IT Core Banking Intern
Feb 2020 – Nov 2020PT Bank Sinarmas Tbk
Introduced the goal-based time deposit concept that became, years later, the saving plan product he now leads.
IT Core Banking Intern
Feb 2020 – Nov 2020PT Bank Sinarmas Tbk
Introduced the goal-based time deposit concept that became, years later, the saving plan product he now leads.
- Recreated an existing time deposit (saving plan) product and its stakeholder-facing menus in a desktop application.
- Introduced a goal-based time deposit concept later developed into the target saving plan product now led as Lead Technical Product Manager, expanded with early payoff and top-up capabilities.
Drove the shift from channel-specific to common service architecture across nine account and customer domains — eliminating duplicated logic and shortening go-to-market for new account variants. (Pattern shown at generic level per NDA — no real system names.)
03 · Technical depth
Same pattern. Nine times. Zero duplication.
Every channel, its own copy of the logic. Every new variant, three places to change it.
One shared layer. Nine domains run on it. New variants ship against one implementation, not three.
The stack underneath it
Temenos T24 / Transact
Core banking platform — deep, continuous experience since the internship years; the single strongest technical differentiator.
Java
Backend implementation, including custom Red Hat AMQ plugins.
Oracle
Core banking database layer.
Red Hat AMQ / JBoss EAP
Messaging infrastructure — led its upgrade to the latest release.
SQL
Database systems and reporting.
Payments and open banking breadth — BI-FAST, SNAP, GPN — supplement this core, supporting other product teams where those systems intersect with the account platform.
04 · Education
Summa Cum Laude, twice.
BINUS University
Nov 2021 – Jul 2023M. Kom., Management Information Systems
GPA 3.95/4.00 · Summa Cum Laude
BINUS University
Sep 2017 – Aug 2021S. Kom., Computer Science (Software Engineering)
GPA 3.91/4.00 · Summa Cum Laude · 3.5-year completion
Honors
Certifications (8)
Publications (3)
Design Smart Contract Based on Blockchain for Peer-to-Peer Lending Platform
IEEE, 2023
Analysis of the Factors Influencing Customer Switching Behaviour of the Millennials in Digital Banks
Journal of System and Management Sciences, 2023 (Master’s thesis)
The Use of Blockchain for Digital Identity Management in Healthcare
Conference paper
05 · Contact
Let's talk.
LinkedIn is the best way to reach me.
LinkedIn