Head, Direct-To-Consumer (D2C)

Who We ArePT Kredit Biro Indonesia Jaya (Credit Bureau Indonesia, “CBI”) as one of the private credit bureaus in Indonesia has been established since 2014 and obtained an operational license from Otoritas Jasa Keuangan (OJK) as Lembaga Pengelola Informasi Perkreditan (LPIP) in 2015.In November 2021, after obtaining approval from OJK, CBI received additional capital from shareholders and appointed a new management team, which aims to provide new and leading-edge services and products. This new identity will also strengthen CBI's position as the "best-in-class, modern and innovative" credit bureau in Indonesia.CBI is a trailblazer in the credit bureau industry, dedicated to fostering a culture of excellence and innovation. We believe in the power of a talented and diverse team to bring cutting-edge solutions to our clients and contribute to the overall success of the financial landscape in Indonesia.Why Join UsInnovative Environment: Continuously investing in cutting-edge technologies, including the powerful realm of artificial intelligence, your role becomes a pivotal part of our journey into the dynamic and evolving landscape of financial services. Being part of our innovative environment is your gateway to an exciting and forward-thinking careerImpactful Work: We offer more than just a job; we provide an opportunity to play a crucial role in shaping the financial future of individuals and businesses across the nation. As a licensed credit bureau, our commitment to accuracy, reliability, and timeliness sets the stage for impactful workProfessional Development: We are committed to the growth of our employees. Join a team that encourages continuous learning and offers opportunities for career advancement.Collaborative Culture: Work in a collaborative and inclusive environment where your ideas are valued, and teamwork is key to achieving our goals.About The RoleAs Head of D2C, you will lead the end-to-end D2C business, owning growth, commercial strategy, and operational execution. You will drive product launches, scale infrastructure, strengthen partnerships, and expand into new markets while ensuring compliance and customer excellence.Key ResponsibilitiesBusiness & Commercial LeadershipOwn D2C P&L, growth strategy, pricing, and go-to-market execution.Define and track KPIs to drive commercial performance.Translate market insights into clear business priorities and execution plansDefine and execute the overall D2C commercial strategy, including customer acquisition models, monetization approach, conversion optimization, and expansion opportunities.Build & Scale OperationsLead the business through a critical build-and-scale phase, strengthening backend systems, reporting standards, and infrastructure.Oversee development cycles, UAT, and iterative releases.Streamline end-to-end D2C workflows and design scalable processes for regional growth.Product Strategy & RoadmapLead product vision and roadmap in close collaboration with Product and Data teams, ensuring continuous enhancement of value proposition, UX, feature prioritization, and competitive differentiation.Drive the identification, development, and launch of new products and value-added solutions within the D2C ecosystem, expanding monetization opportunities while maintaining alignment with regulatory and compliance requirements.Customer Experience & Lifecycle OptimizationOversee end-to-end customer journey, ensuring seamless onboarding, strong engagement, high conversion rates, and effective retention strategies.Marketing & GrowthDefine the overall D2C growth strategy, target segments, pricing model, and monetization framework, with full accountability for revenue and unit economics.Set commercial targets (revenue, ARPU, CAC, LTV) and ensure sustainable, profitable growth trajectory.Approve brand positioning and major growth initiatives, aligning closely with the Head of Marketing on execution priorities.Partnerships & ExpansionBuild and manage partnership and reseller pipelines, including commercial negotiations and joint GTM.Support the D2C build-out and entry strategy in new market (e.g Philippines), including expansion into the Philippines, ensuring scalable operating models and regulatory readiness.LeadershipLead, align and collaborate cross-functionally with Marketing, Product, Data, Technology, CX, Legal, and Operations teams toward shared commercial objectives and drive execution excellence. Serve as the central decision-maker for D2C prioritization and trade-offsBuild and lead a high-performing D2C team with clear accountability structures, performance metrics, and execution disciplineStructured, decisive, and execution-focusedCapable of scaling an early-stage product into a nationally/internationally recognized platformRequirements15+ years in D2C, fintech, financial services, credit bureau or digital businesses and with 5+ years in P&L ownership or business unit leadershipProven track record scaling D2C or digital consumer platforms with measureable revenue impactStrong commercial acumen and financial literacyProduct-oriented mindset with customer-first thinking and with data-driven decision-making capabilityProven digital marketing and customer acquisition experience.Strong analytical, leadership, and stakeholder management skills.Familiarity with credit bureau business models, data products, and regulatory frameworks in financial services is a strong advantagePrior working experience within a credit bureau or closely related ecosystem (e.g., credit risk, underwriting, financial data infrastructure) is a significant plus