Jobs at Amartha

Conduct IT audits focused on technology, application, security, and information security controls. Analyze data for anomalies, fraud, control deficiencies, and regulatory non-compliance; document audit work; identify root causes; recommend risk reductions; monitor remediation; and provide process-improvement advisory services. The role also requires collaboration with auditees, strong analytical and communication skills, and experience with ISO 27001, cybersecurity, IT regulatory compliance, risk management, and business continuity.

Leads IT internal audit activities, including audit planning, evidence collection, control and transaction analysis, root-cause identification, working-paper preparation, reporting, and risk recommendations. Monitors remediation of audit issues, advises business units on process improvements, and maintains relationships with auditees. The role requires expertise in IT controls, information security, regulatory compliance, governance frameworks, risk management, and business continuity.

Accounting Interns will record transactions accurately, reconcile accounts, support financial statement preparation, and maintain documentation for audits. The role requires onsite work in Jakarta for six months and involves collaborating with the accounting team. Candidates should be accounting or finance students or graduates with knowledge of accounting principles, journaling, and spreadsheet functions such as SUMIF and pivot tables.

Manage accounting records for lending entities, including monthly closing, journal entries, financial reporting, loan and revenue accounting, reconciliations, impairment and write-off support, audit schedules, and regulatory reporting. Ensure compliance with PSAK/IFRS and maintain accurate documentation. Collaborate with risk, data, treasury, product, operations, and business teams to resolve discrepancies and improve accounting controls, reconciliation processes, SOPs, and automation.

Support community programs across online and offline channels, manage WhatsApp communities, coordinate content, engage members, track growth and performance, and provide basic troubleshooting. The intern will collaborate with creative and field teams, coordinate stakeholders, and travel weekly outside the city to support community activations and operational activities.

Lead development and optimization of credit risk policies, monitor and analyze loan portfolio performance, collaborate with data and operations teams to balance growth and asset quality, propose risk mitigations, support credit forecasting and provisioning, and present actionable insights to senior management.

Perform market and competitor research, build financial models and trackers, analyze P&L and performance drivers, create executive-ready slides and visualizations, and support senior leadership with ad hoc strategic analyses.

Lead growth marketing strategies to drive user acquisition and engagement for digital products, overseeing campaign execution and collaboration across teams, using data-driven insights for performance improvements.

Oversee engineering teams, manage software development projects, ensure system performance, hire engineers, and implement innovative technologies for scalable solutions.

Lead fraud risk analytics initiatives by establishing frameworks, developing detection algorithms, and collaborating across teams to mitigate digital lending risks.

Leads high-volume, end-to-end recruitment for field employees across South Sumatera. Builds talent pipelines through job portals, referrals, job fairs, and community outreach; partners with branch leaders to meet hiring targets; manages onboarding and employee administration; ensures labor-regulation compliance; supports People and Culture initiatives; handles employee relations; and reports recruitment progress to stakeholders.

Design, build, and operate high-performance Go backend services for underwriting, credit scoring, and loan decisioning. Integrate models, rule engines, and third-party data; ensure scalable, auditable, low-latency decision pipelines; improve reliability and observability; collaborate with ML, risk, product, and data teams; lead technical design, mentoring, and incident response.

Design, productionize, and monitor ML models for credit scoring, underwriting, fraud detection, collections, and portfolio risk. Build features, address imbalance and drift, deploy and maintain pipelines, measure business impact, document models, and collaborate with engineering, risk, and product teams. Explore practical LLM and agentic-AI use cases.

Lead and develop procurement strategy and team; oversee end-to-end sourcing, tendering, contracting, negotiation, supplier management, governance, cost-savings, risk controls, and cross-functional stakeholder engagement to ensure timely, compliant, and cost-effective procurement.

Lead the development and implementation of the Operational Risk Management framework, ensuring compliance with regulations and managing risk across the organization.

The Taskforce role at Amartha involves supporting micro-businesses through operations management, fund disbursement, and driving recovery processes. Responsibilities include conducting surveys, managing portfolios, and proposing strategic initiatives.

The Taskforce role involves managing operations and recovery processes for micro-businesses, ensuring fund disbursement, handling collections, and proposing business initiatives.

Lead development and execution of credit risk strategy and policies, monitor portfolio performance, embed risk into product and operations, build early-warning systems, provide credit forecasts and provisioning inputs, and grow a high-performing credit risk team to support sustainable lending and financial inclusion.

The IT Support will manage hardware and software for the Banjarmasin region, providing technical support, installing equipment, and training staff.

Responsible for installing and configuring IT hardware and software, maintaining systems and networks, providing technical support, and training junior staff.