CRISTIN PURNAMA SARI KAUNANG
Jakarta
Summary
A results-driven Senior Product Manager with 9+ years of experience in financial services, telecommunications, and automotive industries. Proven ability to develop high-impact digital products, drive business efficiency, and optimize decisioning solutions. Strong expertise in product strategy, data science, workflow automation, and AI-driven decision engines. Adept at leading cross-functional teams, coaching product managers, and collaborating with executives to achieve business growth and operational excellence. Recognized for driving customer-centric innovation, process improvements, and cost optimization.
Overview
9
9
years of professional experience
1
1
Certification
Work History
SENIOR PRODUCT MANAGER
CRIF
Jakarta
07.2024 - Current
- Lead the product strategy, roadmap, and execution for StrategyOne, CRIF’s AI-powered decision engine for credit applications, enabling banks, fintechs, and lenders to automate and optimize credit risk assessment in Southeast Asia
- Conduct in-depth market research and collaborate with financial institutions to develop tailored decisioning models, enhancing approval rates, risk management, and operational efficiency
- Partner with engineering and data science teams to enhance rule-based and machine learning decisioning capabilities, reducing processing time and improving credit scoring accuracy
- Develop and implement go-to-market strategies, working closely with sales and marketing teams to drive adoption and revenue growth across multiple regions
- Analyze product performance KPIs, including automation rate, decision accuracy, and time-to-decision, to drive continuous improvements and customer success
PRODUCT MANAGER
KREDIVO GROUP
Jakarta
01.2021 - 06.2024
- Managed multiple products, including Kredivo, Kredifazz, Motorcycle Loan, and B2B integrations, focusing on repayment services, debt collection, and loan management
- Led the development of a custom-built debt collection platform (web & mobile), integrating chatbots, voice bots, email, and push notifications to enhance debt recovery and contact rate
- Automated debt collection processes, improving payment rates by 10%, increasing contact rates by 14%, and reducing operational costs by 45%
- Spearheaded the integration of Official WhatsApp as a new channel for desk collection agents, improving reach rates by 5x
- Led a cross-functional team of engineers, data scientists, and QA specialists to drive product innovation, earning Company Innovation of the Year 2022
- Consistently optimized collection workflows through A/B testing and data-driven experiments, increasing loan repayment and resolution rates
BUSINESS ANALYST
PT. Berlian Sistem Informasi
Jakarta
04.2016 - 09.2022
- Working as Project Team in CMMI-based projects.
- Involved in projects: BI Tools for Multi-finance client, Loan Origination and Management System, Mobile application for salesman and finance-based customer products.
- Responsible for gathering requirements, define scope and objectives, and formulate systems to parallel overall business strategies throughout multiple stakeholders in managerial level.
- Design integration architecture between multiple systems, straightforward and interactive visualization through Business Intelligence
- Create requirement & design documents, functional (FSD), technical application documents, and conduct user training.
- Improve loan origination process with Mobile Application for salesman and customer: increased potential customers and leads up to 35%, increase total debtors up to 10%
Education
Bachelor of Science - Mathematics
Universitas Indonesia
07-2015
Skills
- Product & Project Management
- AI-Powered Decision Engines & Credit Scoring
- Data Analytics & SQL
- Python & Text Mining
- BI Tools (Power BI, QlikView, Sisense)
- Agile & Waterfall Methodologies
- Stakeholder Management & Vendor Negotiation
Certification
Entry Certificate in Business Analysis (ECBA), 2021, International Institute of Business Analysis (IIBA), https://badges.iiba.org/a842b4c5-eb6c-48d6-ae55-35c9ee90b23e#gs.325425
Accomplishments
- Innovation of the Year 2022 | Recognized for launching an AI-driven debt collection system, reducing operational costs by 45%.
- Enhanced Loan Repayment Rates | Increased cumulative payment rates by 10% and contact rates by 14% through automation.
- Scaled Financial Product Reach | Successfully implemented Official WhatsApp integration, improving customer engagement 5x.
Publications
- Analyzing Stance and Topic of E-Cigarette Conversations on Twitter: Case Study in Indonesia, 2021, https://ieeexplore.ieee.org/document/9375949
- Collaborative Learning in Virtual Learning Environment using Social Network Analysis: Case Study Universitas Terbuka, 2020, https://ieeexplore.ieee.org/document/9251904
Timeline
SENIOR PRODUCT MANAGER
CRIF
07.2024 - Current
PRODUCT MANAGER
KREDIVO GROUP
01.2021 - 06.2024
BUSINESS ANALYST
PT. Berlian Sistem Informasi
04.2016 - 09.2022
Bachelor of Science - Mathematics
Universitas Indonesia
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