Technical Product Lead - AI Neobank at Bjak in Indonesia

ABOUT BJAK The original mission of BJAK is we believe people deserve smarter ways to plan, save and grow their money. This is the origin of our name. Started in 2019, we built the first mobile-first, insurance platform, enabling insurance to be accessible online by millions in the region. Today, its the leading insurance platform in Southeast Asia. Today, we are expanding ways to help people in the region — this includes spending, saving, investing, exchanging, travelling, and more. Our mission is help people get more from their money every day. We have teams working around the world, with over 20 nationalities from our offices and remotely, who truly enjoys their work. We are looking for the most talented and driven people we can find. We are looking for people who work for their passion, not counting hours. Who loves building great next-generation products, not status quo. Who cares about redefining how everyone around us can get the best financial applications, not for an exclusive few. If you're this person, we'd love to talk to you. THE ROLE BJAK is building a AI Neobank Superapp for Southeast Asia across payments, remittance, insurance, wealth, and trading. These products move real money. Reliability, regulatory requirements, and third-party financial rails are fundamental to the product - not considerations around the edges. The Technical Product Lead owns a product vertical end-to-end, from strategy and outcomes through technical design, delivery, and launch. We are AI-native by default, but AI is a means, not the goal. The bar is knowing where AI genuinely improves an outcome, where deterministic systems must remain in control, and how to build products that are reliable, auditable, and trusted. WHAT YOU'LL OWN - Owning a product vertical end-to-end, including strategy, metrics, roadmap, priorities and delivery. - Shaping technical design with engineering across APIs, data flows, ledgering, reconciliation, failure handling, security and scalability. - Driving trade-offs across correctness, speed, cost, reliability, regulatory requirements and user experience. - Building regulatory requirements into the product across KYC, transaction monitoring, limits, privacy and licensing. - Applying AI where it improves outcomes, with clear evaluation, safeguards, human oversight and failure handling. - Shipping products around external dependencies, including regulatory approvals, financial rails and third-party partners. - Aligning Engineering, Design, Compliance, Operations, Treasury and Finance around clear product decisions and launch requirements. WHAT WE'RE LOOKING FOR - 5+ years of product management experience, including ownership of complex technical products from strategy through production. - Strong technical foundation across system architecture, APIs, databases, workflows, failure modes and distributed systems. - Experience working closely with engineers and ability to review, challenge and contribute to technical designs. - Experience in payments, banking, remittance, insurance, trading or another regulated, high-consequence product domain. - Strong product judgment and ability to make difficult trade-offs under technical, regulatory and operational constraints. - Experience building with LLMs or AI products, including evaluation, reliability and understanding when AI should not be used. NICE TO HAVE - Engineering or highly technical product background. - Experience building zero-to-one fintech or consumer products. - Experience defining evaluation frameworks for ML or LLM-powered products. OUTCOME - Clear vertical strategy and legible roadmap - Ships fast and clears the gates that actually block launch - Money is correct and users are never misled about the state of their funds - AI features are valuable, predictable and trusted - Trade-offs made deliberately under uncertainty and hold up when challenged - Engineering, design, compliance, and operations are aligned with minimal friction LOCATION This is a remote role. We hire globally and work across multiple countries and time zones. Candidates should be comfortable working effectively in a distributed, fast-moving international team and collaborating with colleagues across different locations. LANGUAGE English is our main working language across global teams. Strong English communication is required. INTERVIEW PROCESS Our process is designed to move fast: 1. Online assessment or practical task 2. Technical interview 3. CEO / final round For strong candidates, we aim to complete the process and make an offer within 1 week from the start of the interview process. Candidates who complete assessments quickly will be prioritized.