Jobs at Kredivo Group

Own CRM and lifecycle engagement initiatives across push, in-app, notification, and messaging channels. Build personalized user journeys, segmentation, targeting strategies, and experiments to improve engagement, retention, open rates, click-through rates, and conversion. Collaborate with Data, Growth, and Product teams on campaign execution and personalization, particularly in fintech or e-commerce environments.

Monitor internal application workflows, identify and troubleshoot system issues, support operational users, collaborate with Product and Engineering teams, perform basic analysis and reporting, and build monitoring dashboards and alerts. The role requires MySQL skills, strong communication, analytical problem-solving, and familiarity with monitoring and REST client tools.

Optimize credit limits, approval thresholds, risk appetite, and risk-based pricing for consumer lending and BNPL products. Track FPD, DPD, vintage, and other portfolio risk metrics; identify deterioration; design and monitor underwriting experiments; benchmark performance using credit bureau data; and collaborate with Product, Data Science, and risk teams to deliver recommendations.

Manage regulatory compliance for an Indonesian P2P lending business, including OJK reporting, regulatory inquiries, compliance monitoring, regulatory change impact analysis, policy development, training, and advisory support. The role requires maintaining compliance with POJK/SEOJK, APU-PPT, KYC, AML, and other applicable regulations while collaborating across functions and interacting with regulators.

Develop and maintain automated tests for mobile, web, and API applications. Design test plans, execute functional, performance, regression, unit, system, and integration testing, and document results. Establish UI and non-UI automation environments, frameworks, standards, and continuous testing pipelines. Mentor automation testers, review code, define metrics, and collaborate with stakeholders across Agile and DevOps teams.

Manage internal AI-powered products, leading discovery with business teams, defining requirements, validating prototypes, and partnering with the Data team on delivery. Drive product onboarding, adoption, post-launch support, usage tracking, impact measurement, feedback collection, and continuous improvement. The role requires familiarity with AI trends and tools, hands-on prototyping, data-driven evaluation, structured problem-solving, stakeholder communication, and fluency in English and Bahasa Indonesia.

Provides legal and operational support by reviewing routine commercial contracts, managing contract lifecycles and legal repositories, coordinating legal requests, supporting regulatory filings and audits, and assisting with vendor onboarding and KYB documentation. Advises internal business, operations, and merchant acquisition teams on standard legal matters while maintaining templates, records, and cross-functional workflows.

Build and operate production AI platform services, backend APIs, integrations, and LLM-powered agent workflows. Own development end to end, including design, coding, testing, deployment, observability, troubleshooting, and quality improvement. Develop reusable platform capabilities, evaluate AI application performance, and collaborate with engineering, product, security, data science, and business teams. The role requires Python backend expertise, cloud operations, databases, LLM applications, and agentic software development.

Drive strategy, development, and execution of financial and credit products. Responsibilities include market research, end-to-end feature development, requirements writing, user-flow mapping, product analysis, A/B testing, feature launches, stakeholder alignment, external integrations, and compliance reporting. The role collaborates with engineering, UX, analytics, legal, compliance, and business teams to deliver measurable product outcomes.

Own manual and automated testing for web services and mobile applications. Develop and execute test plans, review product and engineering requirements, identify release dependencies, validate deployments, troubleshoot production defects, improve test coverage, and implement QA best practices in collaboration with product, design, engineering, and DevOps teams.

Lead the Product Management team and own end-to-end product vision, strategy, roadmap, and execution for lending products. Collaborate with Engineering, Design, Data Science, Risk, Finance, Operations, and Business stakeholders. Mentor Product Managers, establish product standards, prioritize initiatives, oversee development and testing, analyze performance, and make data-informed decisions to optimize customer and business impact.

Manage Kredivo’s brand visibility across merchant locations by coordinating high-volume branding requests from intake through execution and closure. Responsibilities include Jira ticket management, vendor and merchant coordination, signage production and installation, documentation, quality control, budget management, and adherence to brand guidelines. The role requires strong follow-up, project coordination, communication, attention to detail, and comfort with repetitive, process-driven work across multiple cities and stakeholders.

Develops and owns end-to-end machine learning models, from ideation and prototyping through implementation. Responsibilities include building predictive models for credit scoring and recommendation engines, researching model improvements using large datasets, and advancing data science capabilities. Collaborates with analysts and machine learning engineers. Optional experience includes alternate data for credit risk and deep learning or NLP model development.

Develops and owns end-to-end machine learning models, from ideation through implementation. Responsibilities include prototyping credit-scoring and recommendation models, researching improvements using large datasets, and advancing the organization’s data science capabilities. Collaborates closely with analysts and machine learning engineers while applying quantitative, statistical, and business expertise.

Leads risk-based IT, technology, cybersecurity, payment systems, and payment operations audits. Assesses controls, regulatory compliance, resilience, fraud prevention, transaction flows, and fund settlement. Manages audit planning, fieldwork, reporting, remediation tracking, and stakeholder presentations to senior management, the board, and audit committee. Supports Bank Indonesia, ISO 27001, and PCI-DSS examinations while delivering data-driven audit insights and control improvements.

Supports Business Development and sales analytics by tracking KPIs, creating targets and incentive plans, building reports and dashboards, analyzing sales promoter and merchant performance, and delivering actionable insights. The role owns sales-related data marts, documents data assets, supports product development, and collaborates with product, engineering, data science, and sales stakeholders. Advanced SQL is mandatory, with visualization, data modeling, pipeline automation, and Python experience preferred.

Leads end-to-end content marketing strategy and execution across in-app, newsletter, push notification, social media, and website channels. Develops campaign calendars, oversees content creation and publishing, analyzes performance metrics, and identifies improvements. Collaborates with Growth, Product, Social Media, and Creative teams to deliver brand-aligned campaigns that increase engagement and support business objectives.

Develops and owns end-to-end machine learning models, from ideation and prototyping through implementation. The role focuses on credit risk, growth, predictive modeling, and improving models using large datasets. Responsibilities include collaborating with analysts and machine learning engineers, researching advanced methodologies, and contributing to data science strategy. Candidates need strong quantitative, statistical, mathematical, business, communication, and risk-domain expertise, with proficiency in Python or R and experience using relational and NoSQL data platforms.

Oversee operational process design, governance, documentation, and continuous improvement within Sales Operations. Develop and enforce SOPs, coordinate cross-functional stakeholders, identify bottlenecks, define improvement requirements, assign owners and timelines, and measure results. The role requires structured problem-solving, accountability, root-cause analysis, and effective prioritization across sales, operations, and product teams.

Supports cloud infrastructure provisioning, CI/CD pipeline maintenance, monitoring, automation, documentation, and incident response. Writes scripts for operational tasks, troubleshoots deployment and pipeline issues, executes runbook procedures, and collaborates with development and QA teams. Works under senior engineer guidance while developing expertise in DevOps tools, cloud platforms, infrastructure as code, reliability practices, and production operations.