Digital Onboarding — Bank Sinarmas
Onboarding from days to minutes — a fully digital flow built for scale.
Read case study →I help organizations get digital products built and shipped
— by building empowered teams, not micromanaged ones. 10+ years across banking, digital agency, and telecommunications.
Across three very different industries, I've learned one thing: projects rarely fail because of the technology. They fail when teams aren't trusted to do their best work.
So the way I see my job is simple — clear the way for people. I set clear priorities, surface the problems no one is talking about, and make it safe to speak up. When people feel trusted and take ownership, good results follow.
Today, more of the routine work can be handled by AI, and I use these tools to take that load off my team. It frees them to focus on the parts that actually need human thinking.
Because that human part — building trust, making tough calls, keeping people motivated — is exactly what no tool can replace. That's the work I care about most.
Not just what I worked on, but how I think and lead to get results. Each story will be developed together.
Onboarding from days to minutes — a fully digital flow built for scale.
Read case study →Coached a waterfall org into Scrum — and a self-organizing delivery team that runs on its own.
Read case study →Multi-industry delivery, bridging waterfall clients and an agile team.
Read case study →A snapshot of products I've helped deliver across 10+ years and three sectors.
A few words from people I've worked with — full set on LinkedIn.
Yosua is a good team player, showing strong willingness to learn and improve. He is a skillful Digital Bank Product Owner that can deliver significant impact to the team.
We worked together on a partnership project. Pak Yosua is very helpful and can give the correct solution to the challenges we had. His experience in designing customer experience flow and on the technical side helped us a lot. I would like to work with you again in the future, Pak. Best wishes for your next journey.
Yosua is a very dedicated person. He's been very enthusiastic in taking care of e-channel helpdesk in Bank Mayapada. Attention to detail is one of Yosua's strengths. Aside from his role, he has shown his dedication by going the extra mile while leading the User Acceptance Test group in the internet banking project.
As Product Owner, I led Bank Sinarmas's digital onboarding initiative — turning a multi-day, branch-bound process into a fully online flow. The flagship New-To-Bank (NTB) journey opened accounts in minutes instead of days — roughly a 90% reduction — without adding a single counter.
Opening an account meant taking time off work, queuing at a branch, filling forms by hand, and making a cash deposit. The same friction blocked existing customers from adopting mobile banking, opening a time-deposit, or cross-buying products from the wider Sinarmas group. Every step was a leak in the funnel — and a foothold for digital-first competitors.
Beyond the numbers, the work gave the retail team a repeatable digital channel — and the same KYC engine became a foundation other product squads built on.
As Project Manager and Scrum Master, I led BDA's shift from a traditional waterfall org into a working agile environment — restructuring delivery, coaching the team into Scrum, and lifting delivery efficiency by roughly 50% without forcing the company out of its own rhythm.
When I joined, project management was still old-school waterfall — slow approvals, layered bureaucracy, and a half-baked attempt at "going agile" with no clear direction. The team felt the friction every day but didn't have a framework to fix it. The real challenge wasn't process — it was changing behavior in an organization that had been doing things the same way for years.
The number tells half the story. The other half is a team with real chemistry — flexible, responsive to change, and able to run without me in the room. That's the kind of outcome no burndown chart will ever measure, but it's the one that lasts.
As an IT Project Manager at Salt.id, my job was the classic PM one — deliver on scope, budget, and timeline — but the real work was bridging two worlds: an internally agile delivery team and clients who still ran on waterfall, document-heavy governance. Across FMCG, banking, and insurtech, I ran multiple engagements in parallel while keeping live products in active maintenance.
In agency work, governance lives with the client and execution lives with the team. Clients expected the full waterfall trail — tender, proposal, BRD, FSD, sign-offs, knowledge & source-code handover — while the team worked in sprints. Add multiple clients across very different industries, each with its own culture and pace, and the challenge wasn't shipping — it was making the orchestration look effortless from the outside.
The agency PM lesson I keep: delivery is mostly about expectations. Clarity at the start saves ten conversations later — and the only thing more important than process is the trust you build with the people on both sides of it.