Clarine Valerie
Jakarta
Summary
Experienced product manager with a diverse background across multiple banking domains, specializing in strategy, design, and execution. Passionate about driving transformation, fostering collaboration, and solving complex problems to deliver impactful solutions. Aspire to create meaningful change and contribute to organizational growth through dynamic roles.
Overview
7
7
years of professional experience
Work History
Regional Digital Investment Product Strategist
DBS Bank
03.2023 - Current
- Establish regional go-to-market model for digital investment product journeys and develop strategies to scale online usage through strategic campaigns and journey refinements
- Scope expansion to manage both digital and offline investment products. Acting as key strategist, supporting Regional Investment Product Head in constructing strategies and executing initiatives, on track to achieve over S$1 billion in revenue by year-end – a record milestone
- Lead regional competitive analysis, shaping annual strategy and translating insights into actionable initiatives in collaboration with country teams
- Primary liaison for Indonesia, India and Thailand to drive product expansion, ensuring product-market fit, mitigating risks, and aligning processes with regional standards
- Additional Appointment: Advisor to Senior Management for Employee Engagement. Achieved 93% Engagement Score through data-driven initiatives based on employee feedback
Digital Product Manager & Governance
PT. Bank DBS Indonesia
08.2019 - 02.2023
- Spearheaded end-to-end digital product creation and management for Digibank Indonesia application, directly responsible for driving product inception, design and delivery in collaboration with Technology and Operations teams. Launched new investment and payment products, and implemented platform improvements to enhance overall customer experience
- Led digital channel governance, managed product roadmap (worth > S$25 million), collaborating with business stakeholders for prioritization
- Improved digital customer experience by analyzing feedback across multiple channels, prioritizing improvements in collaboration with cross-functional teams (Customer Center, CX, Technology & Operations). Boosted App Store rating from 2.7 to 4.3 and maintained Play Store rating above 4
- Awarded DBS Indonesia Customer Service Award (2021) for exceptional teamwork and dedication to enhancing digital experience
Management Associate
PT. Bank DBS Indonesia
07.2017 - 07.2019
- Completed a 2-year rotational development program across Consumer & Corporate Banking, Technology & Operations, Risk Management and Strategy & Planning
- Developed Bank's first Joint Financing Scheme to drive customer acquisition and revenue
- Executed in-depth analysis of Customer Center site, leading to site migration and enhanced training programs to address knowledge gaps and business continuity risks
Education
Executive Education Certification - Product Strategy
Northwestern University
USA01-2022
Bachelor of Arts - Communication Studies
Northeastern University
01-2016
Skills
- Skills: Strategic Planning, Digital Product Creation & Delivery, Project Management, Data Analysis & Performance Optimization, Business Development, Risk Management
- Tools: JIRA, Confluence, Figma & Microsoft 365 Suite
- Language: Proficient in English and Indonesian
Accomplishments
- DBS Bank Top Talent (from 2017 until date) – 5% of Group wide staff selected annually.
- DBS STAR (2023) – Further selected from Top Talent by Management, for accelerated career advancement.
- DBS Indonesia Customer Service Award (2021)
- Management Associate (2017) – < 1% of total applicants were selected for the program by Managing Directors & Country CEO.
Timeline
Regional Digital Investment Product Strategist
DBS Bank
03.2023 - Current
Digital Product Manager & Governance
PT. Bank DBS Indonesia
08.2019 - 02.2023
Management Associate
PT. Bank DBS Indonesia
07.2017 - 07.2019
Executive Education Certification - Product Strategy
Northwestern University
Bachelor of Arts - Communication Studies
Northeastern University
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