Dare to be part of something big?

Join Kredivo Group

Kredivo Group (formerly known as FinAccel) is building the future of financial services that are fast, affordable and widely accessible, wrapped into a beautiful UX. We’re constantly hustling and looking for more hustlers to join us!

We are a high-growth fintech company that is passionate about using big data analytics, machine learning, and cutting-edge technology to revolutionize the way people use credit card. To continue our success story, we are looking for a Customer Success Manager to primarily support our client portfolio. This role will need to focus on our customer experience and life-cycle and ensure that our customers are using Kredivo platform effectively and maximising on our robust features to guarantee they get the most value.


What you will do:

  • A big passion on engaging customers and expanding their use cases through our product.
  • Setting up & day to day management Offline Merchants.
  • Work with the Offline Team on merchant customer success, ensuring timely communication & merchant visibility.
  • Setting partner/merchant priorities, promo planning & user education.
  • Assist the Offline Team in establishing business test practices.
  • Target service improvement to stores, oversee optimum visibility.
  • Assist in merchant quarterly reviews & analytics.


About you:

  • A big passion on engaging customers and expanding their use cases through our product.
  • Good knowledge of SQL and queries skill.
  • Strong attention to detail and excellent analytical skills. You need to be comfortable with data.
  • University degree (preferred from Business / Management Graduate).
  • Min. 4+ years work experience in Business Development, Sales or Account Management.
  • Experience in process improvement and project management.
  • Experience with process documentation and SOP Creation.
  • Experience in working in multifunctional team.
  • Knowledge of methods of process mapping and design.
  • Microsoft office (Word, Excel, Power Point)
Submit your application

Kredivo is looking for a Customer Success Region (Medan, Bandung, Surabaya) to join the Business Development function.

What you will do:

  • Analyse how to grow Transaction with the merchant/partner Region
  • Liase & day to day management with merchant/partner in Region
  • Visit merchant/partner in Region on a frequent basis
  • Setting partner/merchant priorities, promo planning & user education, marketing activation activities
  • Setting merchant rewards/ cashier incentive/ tippers program
  • Provide merchant transaction report by weekly, monthly and quarterly

What you will need:

  • Bachelor's degree (preferred from Business / Management Graduate)
  • Minimum 4 years work experience in Business Development, Sales or Account Management.
  • A big passion on engaging customers and expanding their use cases through our product.
  • Strong attention to detail and excellent analytical skills. You need to be comfortable with data.
  • Has experience in working in multifunctional team.
  • Knowledge of methods of process mapping and design.
  • Proficient in Microsoft office (Word, Excel, Power Point)
  • Familiar with either one of these cities (Medan, Bandung, Surabaya)
Submit your application

We're on a mission to hire the very best and are committed to creating exceptional employee experiences where everyone is respected and has access to equal opportunity. As we are growing bigger we are looking for a QA Engineer to configure manual test on our apps and execute stability and performance tests. The chosen candidate will be the one who has both grit and good technical exposure in the QA Engineer.

About the role:

  • Work with Data Science and ML Engineering team to understand overall business process and how the data science services works.
  • Develop testing scenarios for mobile apps, websites, and backend services.
  • Execute testing scenario in details which include client side application, server side application and database
  • Help define, drive and implement QA best practice and process

About you:

  • Minimum 2-3 years of experience in manual testing web and mobile applications (fresh graduates are welcome)
  • Experience in automation testing will be an added advantage.
  • Proficiency in English is mandatory
  • Deep understanding of software QA including best practices, process and all kinds of testing application
  • Having skill to identify and evaluate rare problems and missing requirements while conducting test
  • Excellent in testing system, database, application, and reproduce bugs
  • Having skill to write SQL query is mandatory
  • Excellent in communicate bugs report with developer
  • Excellent verbal and written communication skills, including the ability to write reports and business correspondence
  • Initiative, team work, integrity, and detail-oriented person
  • Analytical skill, good communication skill, and can-do attitude are must haves
Submit your application

As a Data Scientist you’ll be part of a team that is working on cutting edge machine learning models. You will work side by side with Analysts and Machine Learning Engineers and take full ownership of your work – from the initial idea-generation phase to the implementation of the final product. Our ideal candidate is result-focused, innovative, has a solid quantitative background and a good business understanding.

About the role:

  • Working in a multi-disciplined team where you’ll take full ownership of turning discoveries and ideas into machine learning models.

  • Prototyping diverse machine learning models, from credit scoring to recommendation engine.

  • Researching & Development on how to improve our models, by using our vast amount and unique set of data.

  • Actively contribute to taking Data Science at FinAccel to the next level.


About you:

  • Minimum 2 years of relevant work experience.

  • Masters, PhD or equivalent experience in a quantitative field (i.e). Computer Science, Mathematics, Statistics, Econometrics, Engineering, Artificial Intelligence).

  • Capable to build robust end-to-end predictive models using the latest Machine Learning techniques and methodologies.

  • Proficiency in Python or R.

  • Exposure to RDBMS (i.e. MySQL, PostgreSQL) and No-SQL platforms (i.e. S3).

  • Excellent English communication skills.


Bonus points (optional) for:

  • Experience with alternate data to evaluate credit risk.

  • Experience in building end-to-end Deep Learning and/or NLP models.

Submit your application

At Kredivo we are building the future of financial services that are fast, cheap and widely accessible. As we are growing bigger, we are looking for Backend Engineer who will be responsible for developing product functionality for Kredivo. The perfect candidate should have a strong background in developing scalable microservices using event driven architecture.

Job Responsibilities:

  • Write clean, concise, modular and well-tested code.
  • Deliver well-defined small to medium-size tasks within a project or subject area, with guidance from seniors.
  • Proactively communicate task progress to their team. Attempt to unblock self, and seek timely guidance where needed.
  • Provide meaningful feedback on other engineers code.
  • Participate in code and feature design meetings and share feedback / opinions to solve interesting engineering problems.
  • Participate in teams on call rotation and help debug and fix issues under supervision of seniors engineers.

Must Have:

  • 1-2 years of active software development experience.
  • Excellent coding skills in Golang.
  • Basic data modeling experience in relational databases.
  • Strong understanding of data structures, algorithms, and computer science fundamentals.
  • Good at group collaboration and communication skills.
  • Self-driven with a passion for learning new things quickly, solving challenging problems, and the drive to get better with the support from the manager.
  • Good communication in English

Nice to Have:

  • A bachelor degree in computer science, information technology, or equivalent education.
  • Experience in NoSQL databases.
  • Basic understanding of clean architecture, S.O.L.I.D principles, and event-driven architecture, with message broker services like SQS, Kafka, etc. is a plus.
  • Basic experience with cloud based systems and infrastructure services such as AWS, GCP, etc. is a plus.

Thank you for your interest in Kredivo. Were thrilled that you'd like to join our company. Unfortunately, days are short and applicants are many, so we wont have time to meet everyone. If you are among qualified candidates, you will receive a call or email from our Talent Acquisition team.

Submit your application

Kredivo Group is looking for an experienced IT Network Engineer, as the owner of the Enterprise Infrastructure of Kredivo. This role will be responsible for the management of all components/ modules of the Enterprise Network, as well as managing projects and changes for the infrastructure.

About the job:

  1. Lead the design and planning of IT infrastructure projects, ensuring scalability, reliability, and security.
  2. Oversee the implementation and deployment of hardware, software, servers, networking equipment, and other infrastructure components.
  3. Design, implement, and manage network infrastructure, including routers, switches, firewalls, and VPNs. Ensure seamless connectivity and troubleshoot network issues.
  4. Design and manage the integration of external infrastructure, such as SaaS or any major cloud providers.
  5. With the security team, develop and enforce security policies, conduct regular security audits, and ensure compliance with industry standards and regulations.
  6. Assume ownership of all hardware components, modules, and configurations within the office network, including external facing endpoints.
  7. Responsible for the daily management of all components of the office infrastructure, including: administration and monitoring, change execution, incident management, and documentation.
  8. Responsible for any audit deliverables in the scope of the office network, and also manage the deliverable timelines.
  9. Continuously assess and propose improvements on the infrastructure design, based on the growth of the business.
  10. Maintain alignment and collaborations of initiatives, projects, and plans with other teams, such as: Application, Identity, and Operations.

About you:

  1. Bachelor Degree or Master degree in the field of science or engineering
  2. At least 4 years of experience in the management of office networks and configurations.
  3. Strong understanding of routing protocols, switching technologies, wireless networking, QoS management within office networks, infrastructure security, etc.
  4. Experience in handling devices from major network hardware providers, such as: Cisco, Aruba, Fortinet, BlueCoat, etc.
  5. High sense of ownership of job scope and managed portfolios, able to operate / propose independently with minimal supervision.
  6. Assertive, able to propose improvements or initiatives after observation on specific application scopes
  7. Good written and verbal communication skills. Good command of English and Bahasa Indonesia.
  8. Strong observation skills and strong instinct for customer behavior and needs
  9. Strong analytical skills, supported with the ability to write compelling analysis and reports for a specific purpose. For example: Cost Benefit Analysis, RCA, etc.
Submit your application

About the job:

  • Defining quality standards and metrics for the current project/product.
  • Working with all stakeholders to ensure that the quality metrics are reviewed, closed and agreed upon.
  • Make the QA team aware of the Quality matrix and resolve all the queries.
  • Create a list of milestones and checkpoints and set measurable criteria to check the quality on a timely basis.
  • Defining processes for test plan and several phases of testing cycle with clear documentations.
  • Planning and scheduling several milestones and tasks like alpha and beta testing.
  • Ensuring all development tasks meet quality criteria through test planning, test execution, quality assurance and issue tracking.
  • Work closely on the deadlines of the project
  • Ensure the team is focusing on automation along with manual testing.
  • Keep raising the bar and standards of all the quality processes with every project.
  • Set processes for test plan reviews and ensure that test plans get reviewed by all stakeholders.
  • Review test strategies and see that all the various kinds of testing like unit, functional, performance, stress, acceptance etc. are getting covered.
  • Set Quality standards for the teams in various new testing technologies in the industry. This may include finding new strategies for automation testing and day to day work processes like agile and scrum.
  • Setting up goals and objectives for QA Engineers.
  • Motivating team for achieving continuous Improvement Job specific skills.
  • Participating in the entire lifecycle of projects from requirement gathering to UAT sign-off Defining and monitoring productivity and efficiency of the testing teams through appropriate metrics.

About you:

  • Minimum 8+ Years Experience as QA and 3+ Years of QA lead experience.
  • Working proficiency in developmental toolsets.
  • Strong Java, J2EE development experience.
  • Proficiency in one or more general purpose programming languages.
  • Strong team building and people management skills are a must.
  • Proven experience in managing and facilitating the mix of internal teams and external vendors as a part of product buildout.
  • Understanding of software skills such as business analysis, development, maintenance and software improvement
  • Proven track record of strategizing and evolving testing strategies.
  • Must have managed the roadmap for web and mobile products (Android/iOS) in the financial services industry.
Submit your application

About the job:

  • Responsible for understanding the delivery approach, and strategic initiatives, in order to define appropriate performance test strategies.
  • Define metrics, practices, processes, reports and tools to ensure delivery is managed with expected performance requirements.
  • Identify areas of Automation for Performance testing and be able to set up Continuous automated performance testing.
  • Drive the definition and testing of non-functional-requirements (NFRs), coordinating the efforts across the different teams that continuously develop and deploy software enhancements and new products within the company's technology platform
  • Drive the definition and testing of non-functional-requirements (NFRs), coordinating the efforts across the different teams that continuously develop and deploy software enhancements and new products within the company's technology platform

About you:

  • 7+ years of expertise in Performance Testing
  • Experience in Jmeter / Blazemeter / LoadRunner tool
  • Experience in API, UI, Mobile App (Android/IOS) and DB performance Testing
  • Skilled at collaborating effectively with engineering teams - Dev, Ops, Infra, Network
  • Experience working along with a large enterprise product team distributed globally.
  • Understand business scenarios in depth to define workload modeling for different scenarios.
  • Expert in Code Profiling, System Monitoring, Bottleneck Identification Expert in Capacity Planning, Sizing, Performance Modeling
  • Expert in correlating metrics, logs, and traces to identify patterns, and trends and helping team in fine tuning solutions
  • Identify areas of Automation for Performance testing and be able to set up Continuous automated performance testing.
  • Expertise in creating and presenting performance testing report to tech groups
  • Knowledge in Containerization concepts, Docker & Kubernetes
  • Good understanding of Microservices, databases.
  • Experience establishing Performance Standards, Documentation and Training needed in different teams.
  • Excellent communication skills and Presentation Skills.
  • Knowledge of Agile software development life-cycle methodologies
  • Exposure to tools such as Selenium, Appium, BitBucket, Git, TestRail, Jira.
  • Able to work independently.
Submit your application

About the job:

  • Design and implement product features and functionality for various Kredivo sites and services
  • Integrate with partners and build API's for external services on the Kredivo platform
  • Work with the Product, Business, and Sales teams to gather and understand requirements and deliver scalable solutions
  • Write high quality, maintainable code
  • Participate in design discussions, reviews and propose/implement solutions to technical problems and challenges 
    

About you:

  • B.S, M.S, and/or PhD in Computer Science or equivalent
  • 5+ years of working experience in the Software industry
  • Well versed with Object Oriented Programming concepts
  • Strong understanding of Data Structures, Algorithms, and Computer Science fundamentals
  • Experience working on Node.JS or Golang
  • Experience / familiar working on frontend and client technologies such as JS, CSS3, HTML5, JSON, Angular/React/VueJS, etc and database systems
  • Proficient in HTTP, Web Services and Restful APIs
  • Having a good understanding in SQL query is a plus.
  • Good Communication skills
  • Ability to work well in a team with a positive attitude
Submit your application

We are looking for a mobile engineer with cybersecurity knowledge, expertise in Android and/or iOS development. Your primary focus will be improving our client apps resiliency to attack in addition to being involved in designing, developing, and testing mobile applications. You will be working alongside other engineers and developers from client, backend and infosec teams. Therefore, a commitment to collaborative problem solving, sophisticated design, and the creation of quality products are essential.

About the role: 

  • Identify and assess security vulnerabilities in our client apps

  • Monitor and maintain the security of our client apps

  • Develop and implement security hardening measures

  • Educate and train other engineers on security best practices to follow

  • Stay up-to-date on the latest security threats and trends


About you:

  • Relevant education (Bachelor's degree) and optionally industry certifications (CMASP, CISSP, CEH)

  • Minimum 1 years of relevant experience in mobile security or related roles or 5 years in mobile development

  • Proficiency in mobile app development languages (Swift, Kotlin) and OS knowledge

  • Deep understanding of iOS and Android security features and configurations

  • Strong grasp of mobile app security vulnerabilities and attack vectors

  • Familiarity with security testing tools (MobSF, Burp Suite, OWASP ZAP)

  • Analytical skills for threat modelling, risk assessment, and incident response

  • Effective communication for technical and non-technical stakeholders

  • Documentation abilities for security guidelines and assessment reports

  • Continuous learning to stay updated with mobile security trends



Submit your application

About the Job:

  • Lead a software team to build features and solutions that support business priorities across distributed teams in a global environment.
  • Work closely with your manager to align the priorities of your team with the priorities of the entire organization.
  • Apply engineering best practices to ensure high-quality outcomes, and work with your counterparts from product and business teams to continuously innovate for our customers.
  • Focus on increasing productivity of your team by building processes around testing, code review, coding conventions, etc. and removing unnecessary/outdated processes/barriers.
  • Define quantifiable measurements to continuously evaluate the team productivity and outcome quality. Manage the performance of your team, and constantly look for opportunities to optimize and take action with a carefully thought-through plan.
  • Coach team members to help them become better professionals and engineers.
  • Demonstrate ownership of multiple functional workflows. Own the technical designs, estimation, development and delivery of high-complexity projects by having the most suitable tech stack, infrastructure, security, performance, monitoring, alerting, etc.
  • Hire, coach, and build a strong bench of talented engineers.

About you:

  • At least 6 years of hands-on experience in developing, testing, and deploying large-scale applications in any language or stack.
  • At least 1 year of experience in leading a team of engineers.
  • Extensive experience in general-purpose programming languages, but willing to work in golang or python.
  • Proficient in HTTP, Web Services, OAuth, and Restful APIs.
  • Strong understanding of data structures, algorithms, and computer science fundamentals.
  • Strong data modeling experience in both Relational and NoSQL databases.
  • Self-driven with a passion for learning new things quickly, solving challenging problems, and the drive to get better steadily without the need for constant/significant feedback.
  • Excellent communication (written and spoken) and analytical skills with attention to details.
  • Strong individual contributor, trusted problem solver and engages proactively in the team level initiatives to bring positive change from their involvement.
  • Strong understanding of clean architecture, S.O.L.I.D principles and event-driven architecture. Experience with message broker services like SQS, Kafka, etc.
  • Good experience with cloud-based systems and infrastructure services like AWS, GCP, etc.

Nice to have:

  • A bachelor degree in computer science, information technology, or equivalent education.
Submit your application

At Kredivo we are building the future of financial services that are fast, cheap and widely accessible. As we are growing bigger, we are looking for Sr. Backend Engineer who will be responsible for developing product functionality for Kredivo. The perfect candidate should have a strong background in developing scalable microservices using event driven architecture.

Job Responsibilities:

  • Successfully and independently deliver large-size projects, including scoping, planning, design, development, testing, rollout and maintenance.
  • Write clean, concise, modular and well-tested code. Review code from junior engineers and provide constant and constructive feedback.
  • Create high quality, loosely coupled, reliable and extensible technical designs. Actively understand trade-offs between different designs and apply the solution suited to the situation / requirements.
  • Constantly improve the health and quality of the services / code they work on, through set practices and new initiatives.
  • Lead the cross-team collaborations for the projects they work on.
  • Support hiring, coaching and develop junior members in your team, and contribute to knowledge sharing.

Must Have:

  • 4-6 years of hands-on experience in designing, developing, testing, and deploying small to mid-scale applications in any language or stack. 2+ years of recent and active software development experience.
  • Solid experience with Golang. Able to use Go concurrency patterns and contribute to building reusable Go components.
  • Strong experience in designing loosely coupled, reliable and extensible distributed services.
  • Great understanding of clean architecture, S.O.L.I.D principles, and event-driven architecture.
  • Experience with message broker services like SQS, Kafka, etc.
  • Strong data modeling experience in Relational databases.
  • Strong cross-team collaboration and communication skills.
  • Self-driven with a passion for learning new things quickly, solving challenging problems, and the drive to get better with the support from the manager.
  • Good communication in English


Nice to Have:

  • A bachelor degree in computer science, information technology, or equivalent education.
  • Experience with NoSQL databases.

Thank you for your interest in Kredivo. Were thrilled that you'd like to join our company. Unfortunately, days are short and applicants are many, so we wont have time to meet everyone. If you are among qualified candidates, you will receive a call or email from our Talent Acquisition team.

Submit your application

Kredivo is a fun, fast growing company with lofty ambitions. Starting with instant ecommerce financing, we are on a goal to disrupt unsecured lending in Southeast Asia, one of the fastest growing economic regions globally.

Our first product, Kredivo, which integrates at merchant checkout, qualifies e-commerce buyers for instant ecommerce purchase financing at rates, which are much lower than consumer finance companies. We do this by using breakthrough technology and science to unlock unprecedented insights about credit risk and fraud from multiple data sources: phone, social networks, telco, financial and location data.

Kredivo is looking for an experienced IT Application Lead, as the owner of all Enterprise Applications, and the main strategist for the management and utilization of the applications. This role will be responsible for the whole lifecycle of Enterprise Apps, as well as the value extracting from the investment.

About the job:

  • Lead the overall IT Application team and assume ownership of all Enterprise Applications, as agreed by the leadership.
  • Responsible for the management strategy of all Enterprise applications, including: gap analysis and roadmap planning, business analysis and alignment, and resource planning.
  • Responsible for the daily management of Enterprise Applications under the IT team, which include but not limited to: Directory Service (on cloud), Google Workspace Enterprise, Instant Collaboration tools (i.e. Slack and Zoom), In-house apps, and Enterprise Security tools.
  • Lead the overall IT Application initiatives, including improvements, policy development, rollout and decommissioning, etc.
  • Lead the monitoring and periodic evaluations of the application functionalities, and include all improvement points within roadmap
  • Maintain alignment of initiatives, projects, plans to other verticals within the team such as: Network, Identity, and Ops

About you:

  • Bachelor Degree or Master Degree in the field of science or engineering.
  • At least 6 years experience in the space of managing the lifecycle of enterprise SaaS applications such as (but not limited to) Directory Services, Email Services, Cloud File Storage and Collaboration, and Meeting Platform beyond user management.
  • At least 2 years of experience leading a team of engineers working with enterprise SaaS applications, and able to demonstrate understanding of business values of applications.
  • Aptitude towards fundamental concepts within enterprise applications, for example: Application types and roles (HRIS or Directory Service), SSO technologies, Email technologies and standard, Integration technologies, Application architecture, and Security technologies.
  • Non-technical aptitude towards topics surrounding the management of Enterprise Applications, such as: Licensing Model, Budgeting and Cost strategy, Business/Application Policies and Procedures, and Team development
  • High sense of ownership of job scope and managed portfolios, able to operate / propose independently with minimal supervision.
  • Able to work within gray areas within the teams, and establish structure or proper scope to move forward
  • Possess leadership quality to lead the team within the organization culture
  • Assertive, able to propose improvements or initiatives after observation on specific application scopes
  • Strong written and verbal communication skills. Excellent command of English and Bahasa Indonesia.
  • Strong observation skills and strong instinct for customer behavior and needs
  • Strong analytical skills, supported with the ability to write compelling analysis and reports for a specific purpose. For example: Cost Benefit Analysis, RCA, etc.


Submit your application

About the Job:

  • Performs audit work, including plan preparation, workpapers, finding, and associated reports; verifies the accuracy of financial records as they pertain to assets, liabilities, receipts, expenditures, and related transactions.
  • Evaluate the system to ensure compliance of policies, plans, procedures, laws, and regulations that have a significant impact on the company.
  • Evaluate ways to safeguard existing assets and ensure the existence of those assets.
  • Evaluate operations or programs to ensure that all results will be consistent with the objectives and objectives of the company, as well as whether the operation or program has been executed according to the plan.
  • Report exposure on significant risk and control issues, including fraud risk, governance issues, and other issues.
  • Review the effectiveness of internal controls and compliance to policies and procedures.
  • Promote IA and its value.
  • Performs ad-hoc investigations and review at the request of the Audit Committee or Management.

About you:

  • Have a minimum 2 years of experience in an audit role specially in IT Audit.
  • Bachelor degree in Information Technology.
  • Proven knowledge of auditing standards and procedures, laws, rules and regulations.
  • Advanced computer skills on MS Office, accounting software and databases.
  • Ability to manipulate large amounts of data and to compile detailed reports
  • High attention to detail and excellent analytical skills
  • Strong attention to detail and a commitment to delivering high quality outcomes.
  • Strong time management skills.
  • Reliable, firm, honest and trustworthy.
  • Have integrity in carrying out their duties.
  • Implement the Internal Audit Code of Ethics.
  • Excellent communication skills in Bahasa Indonesia and English.
Submit your application

This role is an integral part of the Group FBP&A team. This role will be key to drive insights into critical decision-making for the business which will support our effort to be not only a highgrowth organization, but also highly profitable. 

The candidate will be required to work in close collaboration with a number of stakeholders such as finance, growth, business development, marketing, etc in order to plan, analyze, and monitor the overall cost of the business to ensure optimal efficiency can be achieved without compromising quality.


Responsibilities

  • Understand the entire arc of the business, particularly cost and its drivers
  • Responsible in periodical cost and budgeting report to support the whole FBP&A reporting tasks.
  • Perform a deep-dive analysis for costs to understand what drives the trend and if there is any deviation between projection vs actual, also provide critical assessment of those deviation.
  • Develop relevant metrics to be monitored for important cost items including the process needed for monitoring and perform cost management by working together with various teams in order to improve profitability.
  • Identify possible cost savings to improve profitability and create the cost saving plan to be implemented.
  • Perform analysis and provide insight on how to efficiently assign/allocate costs across entities in the Group.


Requirements

  • Minimum a Bachelors degree in Finance, Accounting, or other relevant field.
  • 5+ years of working experience, with background from Financial Planning  & Analysis role in fast growing tech companies, Big 4 Transaction Advisory Services team, or Credit Analyst for Corporate/Commercial Banking (minimum of 2-3 years of experience in a Big 4 audit firm is a plus).
  • Comfortable with numbers and able to perform data driven analysis to support decision making.
  • Proficient in operating Microsoft Excel as a tool for analysis and able to produce output/report which can be understood easily when presented.


Preferred Qualifications

  • Attention to details, consistent with swift execution: We need to do things quickly and well.
  • Striking that balance can be challenging and this should be a strength of yours.
  • Analytical mindset: You get excited about deciphering huge data sets and cutting through
  • irrelevant distractions to get to the heart of core data questions.
  • Self-starter and hands-on: you will take initiative, be proactive, set and follow through on goals and commit to your work.

Bonus Points:

  • Presentation and communication skills: Knowing how to structure effective presentations, either in the day-to-day business or in a formal setting, will increase your impact.
  • SQL skills: Ideally, you should have the ability to self-serve, investigate and get the data we require for the analysis you perform.
  • Understanding of consumer financing in a fintech context: Experience and/or understanding of the consumer financing business, especially in a fintech environment, will be a major plus.


Submit your application

FinAccel is looking for a Tax Manager that will be responsible for all aspects of taxation and statutory reporting and compliance. Ensure processes including recording and recognition of transactions are in accordance with local tax rules and IFRS.

What you'll be doing:

  • To address and solve any tax issue related to finance operation such as merchant daily transaction, new onboarding of merchant, reviewing agreement of merchant related to tax

  • To review reconciliation of VAT/income taxes and equalization of Tax base/DPP between commercial and fiscal prepared by tax supervisor

  • To review and approve Monthly Income Tax Payment and Return of article 23/26, 4(2), VAT and 21 (if needed)

  • To review DGT form submitted by Lenders/Foreign Vendors up to creation of E-SKD in DJP Online

  • To review reconciliation of VAT/income taxes and equalization of Tax base/DPP between commercial and fiscal prepared by tax supervisor

  • To prepare and review Corporate Income Tax return, fiscal reconciliation, monitor Debt to Equity Ratio, Nominative List of Promotion/Receivable Write-off or any tax exposure need to be monitored

  • To prepare TP Documentation both Local/Master File and file CBCR notification

  • To handle tax audit by tax office and file to Tax Court (if needed)

  • Supervise and ensure accurate and timely tax payment and tax filing

  • Review inter-company transactions (WHT, tax treaty, COD, VAT and transfer pricing)

  • Liaise with tax consultant in providing documents and explanations to tax auditor

  • Liaise and maintain good relationship with tax authorities

  • Identify and mitigate tax risks by improving processes and implementing best practices

What we're looking for:

  • Minimum 3-4 years of experience in Tax Consultancy firm as Manager level, with clients in multifinance, bank or other financial institution

  • Candidate with BKP and or SH will be greatly considered

  • Minimum 1-2 years of experience in corporate level

  • Has proven records to prepare TP Documentation, International Taxes, Tax Planning for Multinational Group

  • Candidate"can do" and "problem solver" attitude

  • Candidate has intermediate knowledge related to Indonesian FRS, tax (income taxes, corporate income tax calculation), finance instrument

  • Fluency in English both spoken and written

Submit your application

About the role :

  • Build and manage all Finance-related dashboards on a regular basis ensuring data consistency and accuracy.
  • Provide end-to-end data solutions to enable various teams across the company to save time on data preparation and reconciliation and routine and ad-hoc reporting.
  • Work with a large amount of data that are at times unstructured; be a key lead in data filtering, preparation, and validation.
  • Preparing final analysis reports for the stakeholders to understand the data-analysis steps, enabling them to take important decisions based on various facts and trends.

About you:

  • Experience and Knowledge of SQL and Database
  • MS Excel or spreadsheets.
  • Fresh graduate or min 2 year experience.
  • Strong intuition for user behavior.
  • Excellent analytical and problem solving skills.
  • Able to communicate and ask questions effectively.
  • Detail-oriented, able to think analytically/critically, and curious.
  • Ability to work independently and with others.
Submit your application

We are looking for Security Engineer – Red Team to be part of our Information Security Department who is responsible for cyber attacks. On a daily basis, our Red Team will continuously detect, analyze, and find security gaps in our systems (Infrastructure & Application). Security Engineer – Red Team must have extensive knowledge in vulnerability assessment and penetration testing. 

About the role:

  • Have the ability to perform vulnerability assessments and penetration testing, both on infrastructure, mobile applications, and web applications.
  • Able to conduct security reviews from the perspective of external attackers (hackers).
  • Generate reports on the results of security assessments, both from the results of vulnerability scanning and penetration testing.
  • conduct an examination of the security vulnerabilities found and help provide mitigation suggestions for the discovered vulnerabilities.

About you:

  • Have experience doing vulnerability scanning and penetration testing on system infrastructure, mobile apps, and web apps.
  • Have knowledge of hacking techniques on system infrastructure, mobile apps, and web apps.
  • Understanding hacking techniques is limited to using tools and can also understand the hacking process manually.
  • Understand standards and frameworks for vulnerability scanning and penetration testing processes such as OSSTMM, OWASP, PTES, etc.
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We are looking for Product Managers that have technical background and analytical skill and able to collaborate with teams across divisions to deeply understand their opportunities and challenges, and together with UI/UX designers and engineers create high impact solutions to our products.

About the role:

  • Drive end to end product development, start with idea initiation, writing high quality product requirements with supporting data from analysis and technical flow (if needed), product grooming, assisting on development and testing, identify and define key metrics to measure product performance.

  • Monitor defined and existing key metrics to identify issues/improve the product.

  • Drive data-informed decisions by integrating user research, data analysis (conduct what-if/pros and cons), and stakeholder feedback into product requirements.

  • Scope and prioritize activities based on business and customer impact

  • Working closely with many types of stakeholders, including engineering, designer, analysts, data science, risk, others division to implement new features and enhancements


About you:

Must Haves:

  • At least 3 years of experience in product management, business analyst / system analyst with knowledge in product management are welcome.

  • Have strong communication skills, positive energy, self-starter, strong drive to make things happen.

  • Learn quickly, feel comfortable teaching yourself new skills, and working in a complex and fast-paced environment.

  • Excellent analytical, multi-tasking and problem solving skills

  • Capability to understand the technical and brainstorm with Engineers.

  • Having technical skill in Query.

Nice to Haves:

  • Bachelor's degree in computer science, information technology, business, or other related field

  • Have technical background

  • Familiar working in startup environment

  • Experienced in business analyst or system analyst

  • Have experience in launching a product from scratch and scaling it


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About the role:

  • Work with product team to understand overall business process and how the application works
  • Develop test automation for mobile apps and website
  • Execute testing scenario in details which include client side application, server side application and database
  • Help define, drive and implement QA best practice and process

About you:

  • Minimum 3 years of experience in automated and manual testing web and mobile applications.
  • Deep understanding of software QA including best practices, process and all kinds of testing application
  • Having skill to identify and evaluate rare problems and missing requirements while conducting test
  • Excellent in testing system, database, application, and reproduce bugs
  • Having skill to write SQL query is a big advantage
  • Excellent in communicate bugs report with developer
  • Excellent verbal and written communication skills, including the ability to write reports and business correspondence
  • Initiative, team work, integrity, and detail-oriented person
  • Analytical skill, good communication skill, and can-do attitude are must haves
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Responsibilities :

  • Lead the development and implementation of the system-wide risk management function of the information security program to ensure information security risks are identified and monitored.
  • Internally assess, evaluate and make recommendations to management regarding the adequacy of the security controls for the company information and technology systems.
  • Lead the system-wide information security compliance program, ensuring IT activities, processes, and procedures meet defined requirements, policies, and regulations.
  • Develop and implement effective and reasonable policies and practices to secure protected and sensitive data and ensure information security and compliance with relevant legislation and legal interpretation.
  • Execute strategy for dealing with the increasing number of audits, compliance checks, and external assessment processes for internal/external auditors, such as ISO 27001, ITGC, BI or OJK Regulations, etc.
  • Work with Internal Audit/External Audit and outside consultants as appropriate on required security assessments and audits
  • Coordinate and track all information technology and security-related audits including the scope of audits, timelines, auditing agencies, and outcomes. 
  • Work with auditors as appropriate to keep audit focus in scope, maintain excellent relationships with audit entities and provide a consistent perspective that continually puts the institution in its best light. Provide guidance and evaluation on audit responses.

Qualifications :

  • 2-3 years of advanced IT skills with a high level of information security experience and expertise.
  • Knowledge of information security risk management frameworks and compliance practices.
  • Ability to develop security standards and guidelines based on best practices and industry
    standards.
  • 1-2 years experience as Information Security, IT Governance, Risk and Compliance (IT GRC) or
    IT Auditors or IT Risk in Insurance or Financial Service industry.
  • Excellent interpersonal, communication, and presentation skills, including formal report writing
    experience.
  • Understanding of common security standards and regulations relating to technology and
    financial environment (e.g., BI or OJK Regulation, ISO 27001:2022, ITGC, etc.)
  • Skills in documenting risk and compliance activities.
    Information security-related training or certifications such as ISO 27001 Auditor, CISSP, or CRISC.
  • Experience performing information security audits or risk assessments.
  • Familiarity with security auditing processes.
Submit your application

Kredivo is hiring for a Senior Legal Manager. The incumbent will be assisting the Legal Counsel of the company in ensuring that effective legal support is provided to commercial teams. This is a great chance to gain exposure and challenge your legal knowledge and commercial acumen.

About the job:

  • Advise the relevant stakeholders on various regulatory requirements related to lending business operations.
  • Supporting the relevant stakeholders with legal advice/legal assistance on commercial contracts, including drafting, reviewing, and advising on agreements with third-party vendors and strategic partners
  • Providing legal support in a range of legal matters, including company secretarial, legal administrative filling, submission and/or reporting of legal data.
  • Monitor and report any regulatory updates on a regular basis.
  • Respond promptly and effectively to legal requests & regulatory advice from the relevant stakeholders, and advise on recommended courses of action.
  • Developing legal precedents in line with the legal, regulatory, and corporate environment.
  • Ensure compliance with Indonesian laws and regulations, ranging from BI and OJK regulations to company administration.
  • To succeed in this role, you should be able to demonstrate a good understanding of legal knowledge and expertise and the application thereof in to the business environment.

About you:

  • Bachelors Degree in Law (masters degree is a plus) and a minimum of six years' combined experience as a corporate lawyer at a reputable private practice firm and in-house legal practitioner (tech and financial industry experience are desirable).
  • PERADI certified.
  • Competence as a lawyer; ability to manage workload in a dynamic environment.
  • Possess strong negotiation skills, excellent drafting, and a drive to provide commercially sound advice with the ability to challenge results, provide solutions, and form justifiable assumptions for the business.
  • High personal integrity and commitment, strong communication and negotiation skills, independent and solution-oriented working style.
  • Highly organized and detail-oriented.
  • Fluent in spoken & written English and Bahasa Indonesia.
  • High proficiency in Microsoft Office Word and proficient in Google Docs & Slides (tech-savvy is a plus).

If you are driven, determined and want to take the next step in your career, this is the role for you. Great career progression opportunities await the right person in this exciting Senior Legal Manager position.

Submit your application

Our Data Analyst will be responsible for conducting data mining and in-depth analysis/research according to the assigned squad. The role will be working closely with the Product Manager and provide recommendations and insights that can enhance our business performance. Last but not least, he/she will also provide ad-hoc support for various projects.

About the Job:

  • Analyzing data and creating data quality reports.

  • Performing data reconciliation across multiple sources to ensure the accuracy of data report.

  • Supporting initiatives for data integrity and normalization.

  • Ingesting and normalizing customer data.

  • Communicating with engineering and customer support teams.

  • Helping our common interface standards (specifications) and collaborating with multiple teams to enhance it as needed.

About you:

  • At Least 2 Years of Experience and Knowledge of SQL and Database.

  • Have a good understanding in SQL and Python/R

  • Have a good abstraction logics

  • Experience with Machine Learning method (Random Forest Regression, Logistics Regression, K-Means Clustering, Apriori , Eclat, Deep Learning and etc)

  • Willing to learn something new

  • Detail oriented

  • Can able to work as a team and Individually

Submit your application

About the job:

  • Hands-on in the end-to-end product writing process (from empathizing towards users problems, ideation, writing on mockup provided by designers, and documenting it)
  • Collaborate with the Product Manager, Engineer, and other related stakeholders to define and implement innovative features for the product
  • Proactively seek/give feedback from other stakeholders to make sure writing drafts are meeting the intended project goal
  • Effectively deliver writing documentation in a well-defined scope

About you:

  • Mininum of 1-2 years of relevant experience in a related field
  • Strong proficiency in writing with extensive and demonstrated expertise in grammar, spelling, punctuation, and the ability to convey complex information clearly and concisely
  • Deep empathy and interest in keeping your customers point of view in the forefront, constantly bringing questions back to what will serve them best
  • Excellent organizational and collaboration skills to manage copywriting documentations
  • Ability to solve problems creatively
Submit your application

We are looking for Product Managers that have technical background and analytical skill and able to collaborate with teams across divisions to deeply understand their opportunities and challenges, and together with UI/UX designers and engineers create high impact solutions to our products.

About the role:

  •  Drive end to end product development, start with idea initiation, writing high quality product requirement with supporting data from analysis and technical flow (if needed), product grooming, assisting on development and testing, identify and define key metrics to measure product performance.
  •  Monitor defined and existing key metrics to identify issues/improve the product.
  •  Drive data-informed decisions by integrating user research, data analysis (conduct what-if/pros and cons), and stakeholder feedback into product requirements.
  •  Scope and prioritize activities based on business and customer impact
  •  Working closely with many types of stakeholders, including engineering, designer, analysts, data science, risk, others division to implement new features and enhancements

About you:

Must Haves:

  •  At least 3 years of experience in product development with knowledge in product management are welcome.
  •  Have strong communication skills, positive energy, self-starter, strong drive to make things happen.
  •  Learn quickly, feel comfortable teaching yourself new skills, and working in a complex and fast-paced environment.
  •  Excellent analytical, multi-tasking and problem solving skills
  •  Capability to understand the technical and brainstorm with Engineers.
  •  Having technical skill in Query.

Nice to Haves:

  •  Bachelor's degree in computer science, information technology, business, or other related field
  •  Have technical background
  •  Familiar working in startup environment
  •  Experienced in business analyst or system analyst
  •  Have experience in launching a product from scratch and scaling it.
Submit your application

About the role:

  • Daily checking of Ticketing system and responding for reaching SLA.
  • Conduct troubleshooting root cause analysis, and implement corrective/preventive measures during and after each incident.
  • Write incident reports
  • Do periodic monitoring of the dashboard related to the product.
  • Do monitoring of production alerts.
  • Collaborate with the engineering and product team to find appropriate solutions
  • Debugging related to web application

About You :

  • Strong sense of debugging and troubleshooting issues out of your mind is a must.
  • In-depth knowledge of Structured Query Language (SQL).
  • Thorough understanding of the Agile development process.
  • Strong verbal and written communication skills.
  • Strong analytical and problem-solving skills and passion for learning.
  • Self-motivated with the ability to work independently or as part of a team.
  • Available to respond and handle after hour issues.
  • Proficient in the use of JIRA for managing ticketing.
  • Knowledge in any programming language is a plus
Submit your application

As we are growing bigger, we are looking for a Senior Collection Analyst to identify continuous improvements and implementing the best solutions for collection operations. The ideal candidate is a self-starter, strategic thinker, great communicator, and enjoys collaborating with people with a diverse set of talents in a dynamic fast-paced environment.

About the role:

  • Daily review key Collection indicators and provide highlight to Collection Director
  • Perform regular analysis on agent productivity metrics
  • Develop understanding on Collection process, to address any related issue
  • Conduct in-depth analysis on Collection portfolio when needed, and provide recommendations for improvement
  • Perform monthly inventory planning to ensure Collection capacity is sufficient
  • Provide assistance for Collection managers on Collection tools and system support
  • Actively participate on Collection system enhancement

About you:

  • Bachelor’s Degree from reputable University with minimum GPA 3.0
  • Minimum 2 years experiences in Collection function, data analysis, lending, or other related fields within Financial Institution
  • Advance knowledge in SQL and or statistical tool (e.g. SAS)
  • Strong analytical skills and put attention on details
  • Conversational ability in English is a must
  • Strong and highly motivated with positive mindset attitude
  • Have good leadership skill and able to manage people
  • Comfortable working in a dynamic and fast-paced environment
  • Collaborative

Thank you for your interest in Kredivo. We’re thrilled that you’d like to join our company. Unfortunately, days are short and applicants are many, so we won’t have time to meet everyone. If you are among qualified candidates, you will receive a call or email from our Talent Acquisition team.

Submit your application

We are looking for a Collection Analyst to identify continuous improvements and implementing the best solutions for collection operations. The ideal candidate is a self-starter, strategic thinker, great communicator, and enjoys collaborating with people with a diverse set of talents in a dynamic fast- paced environment

About the role:

  • Daily review key Collection indicators and provide highlight to Collection Director
  • Perform regular analysis on agent productivity metrics
  • Develop understanding on Collection process, to address any related issue
  • Conduct in-depth analysis on Collection portfolio when needed, and provide recommendations for improvement
  • Perform monthly inventory planning to ensure Collection capacity is sufficient
  • Provide assistance for Collection managers on Collection tools and system support
  • Actively participate on Collection system enhancement

About you:

  • Bachelor’s Degree from reputable University with minimum GPA 3.0
  • Minimum 2 years experiences in Collection function, data analysis, lending, or other related fields within Financial Institution
  • Advance knowledge in SQL and or statistical tool (e.g. SAS)
  • Strong analytical skills and put attention on details
  • Conversational ability in English is a must
  • Strong and highly motivated with positive mindset attitude
  • Comfortable working in a dynamic and fast-paced environment
  • Collaborative
Submit your application

Our Product Analyst - Risk will be responsible to support the Risk team by researching and providing a clear analysis of product initiatives. You will be our strongest advocate for making data-first decisions. The perfect candidate should have a strong background in team work and using data to drive the decision-making process.

About the job:

  • Research and analysis of the landscape, customers, product metrics, and latest internet trends to identify and fill product gaps

  • Generate new ideas that grow market share, improve customer experience and drive growth and conversion

  • Write product specs, evaluate pros and cons and conduct what-if scenario analysis

  • Translate product strategy into detailed requirements and prototypes.

  • Scope and prioritize activities based on business and customer impact

  • Work closely with engineering, marketing and operations to scope and implement new features

  • Leadership ability to manage a team of analysts


About you:

  • At least 3 years of experience as a data analyst or product manager or programmer in a startup environment

  • Solid technical background (SQL is a must) with understanding and/or hands-on experience in software development
  • Extremely strong communication skills and comfortable to communicate in English
  • Strong intuition for user behavior

  • Ability to develop product and marketing strategies

  • Excellent analytical and problem solving skills

  • Self-starter with strong project management skills to follow through on execution

Submit your application