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Design and implement backend features for Kredivo services, collaborate with Product and Business teams, write maintainable code, own system components, perform benchmarking and load testing, research backend technologies, and participate in design reviews.

Design and implement backend services for Kredivo, owning parts of the system while improving performance and scalability in an agile environment.

Lead system design and architecture for ML services, mentor engineers, set technical direction, deliver AI/LLM systems (chatbots, RAG, OCR), ensure production reliability and scalability, and use SQL/Python for data-driven debugging and decisions.

Lead product analysis and research to inform data-driven decisions. Define requirements, write specs, run scenario analyses, scope and prioritize features, and work with engineering, marketing, and operations to drive growth and conversion. Manage and mentor a team of analysts.

Own lifecycle CRM strategy to increase activation, repeat transactions and retention. Design segmented journeys, orchestrate channels (push, in-app, email, WhatsApp), run A/B experiments, analyze impact, and optimize post-launch performance using data-driven insights and local market knowledge (Indonesia). Collaborate with Product, Marketing, and Data to scale personalized communications and improve transacting rates.

The Senior Underwriting Analyst uses data to identify risks in underwriting, creates reports, and reviews key risk indicators to assist in risk management.

Define and implement data governance policies, data classification, access controls, data quality standards and monitoring, design a data catalog, collaborate with business, engineering, legal and risk teams, and promote automated governance and stakeholder adoption.

Design, develop, deploy, and maintain web applications. Collaborate with Product, Business, and Sales to gather requirements. Write maintainable code, optimize performance, participate in design reviews, and ensure applications are functioning end-to-end.

Lead and grow a backend engineering team building core banking internal tools. Own end-to-end delivery, architecture, reliability, observability, hiring, and cross-functional collaboration in an agile environment.

Support design and implementation of compliance activities, monitor and prepare regulatory reports, review regulatory updates and internal policies, assist compliance assessments, and advise internal stakeholders to ensure alignment with OJK and other financial regulations.