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Join FinAccel

FinAccel is a fun, fast growing company with lofty ambitions. Starting with instant ecommerce financing, which integrates at merchant checkout, we are on a goal to disrupt unsecured lending in Southeast Asia, one of the fastest growing economic regions globally. Our first product, Kredivo, qualifies buyers for instant ecommerce purchase financing and personal loans at rates, which are much lower than multifinance 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.

Finaccel is looking for Android Engineer to design and develop new features for Kredivo Android app, as well as bug fixing and improving application performance. Also to design and develop another advanced application for Android platform in the future. We are looking for Android Developer who have strong motivation, passion for mobile technologies and experience as Android engineering for at least 3 years. We will work together as a team to design and build the next generation of our mobile applications.

Job Responsibility:

  • Design and development of Kredivo Android app, and build other Android products in future
  • Write high quality, maintainable code
  • Participate in design discussions, reviews and propose/implement solutions to technical problems and challenges
  • Work on bug fixing and improving application performance
  • Continuously discover, evaluate and implement new technologies to maximize development efficiency


  • 3-4 years of experience as an Android engineer
  • Must have startup experience
  • Strong understanding of algorithms, data structures, performance optimization techniques, and programming in OOP
  • Must be a believer in Agile and Lean methodologies
  • BS or MS in Computer Science or related field

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

Job Responsibilities:

  • 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

Key Competencies:

  • 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

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 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.

Job Responsibility :

  • Analyzing data and create 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 collaborate with multiple teams to enhance it as needed.


  • *At Least 2+ Years of Experience and Knowledge of SQL and Database.
  • Excel and MACRO.
  • ETL processes exposure.
  • Experience working with large datasets.
  • Data Pipelines, Data Mapping, Data Validation, Data Analysis.
  • *Good English Proficiency.
  • *Teamwork and good interpersonal skills

As a Data Scientist you’ll be part of a team that is working on cutting edge credit scoring algorithms. You will work side by side with Analysts and Data 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 and has solid quantitative background and a good business understanding.

Role Description:

  • Work in a multi-disciplined team where you’ll take full ownership of turning discoveries and ideas into machine learning models
  • Implementation of machine learning models
  • Research & Development on how to improve our credit scoring models, by using our vast amount of data
  • Actively contribute to taking Data Science at FinAccel to the next level


  • Minimum 2 years of relevant work experience
  • Masters, PhD, or equivalent experience in a quantitative field (Computer Science, Mathematics, Engineering, Artificial Intelligence, etc.)
  • Excellent English communication skills
  • Capable to build robust end-to-end predictive models using the latest Machine Learning techniques and methodologies
  • Experience with at least one scripting language, e.g. R, Octave, and one programming language, e.g. Python, Perl, C/C++, Java
  • Exposure to SQL and relational databases

Bonus points (optional) for:

  • Experience working with alternate data to evaluate credit risk
  • Experience in building end-to-end Deep Learning and/or NLP models

We are looking for someone who could help us to create and maintain development platforms and processes that enable automation of builds and releases as the engineering organization grows. You will be collaborating with development, infrastructure, and QA teams to drive productivity, repeatability and quality improvements for our products.

Job Responsibility:

  • Assist engineers with deployment updates and fixes of application.
  • Help engineers with performing root cause analysis on the production errors
  • Build in-house applications / scripts which will be used to assist day-to-day operations.


  • 3 years of systems administration and configuration experience with 1 years of experience focused on cloud-hosted commercial facing environments
  • Cloud deployment automation experience
  • Experience with log consolidation, reporting, and alerting frameworks such as ELK
  • Experience automating the configuration of and administration of load balancers, DNS, firewalls, and cloud based networks
  • Detailed knowledge of cloud infrastructure management
  • Familiarity with Unix (FreeBSD/Linux) operating systems, tools, and utilities
  • Containerization and Cloud (Docker, Kubernetes, Amazon Web Services
  • Familiarity with migration of services and server to the cloud and containers
  • Ability to design and configure virtual network topologies, especially in Amazon Web Services (AWS)
  • Experience designing configuration management systems using tools such as Chef, Ansible, Puppet, Salt & Jenkins
  • Ability to provision, monitor, optimize and scale AWS infrastructure using APIs
  • Strong coding capability in one or more languages, especially bash and Python
  • Experience with automation and workflow management
  • Experience with Docker highly preferred
  • Experience with application load balancing solutions for scaling and HA
  • Linux administration experience
  • Well versed in internet architectures, including web, application, and database components such as Apache, Nginx, memcache, MySQL, etc.
  • Deep understanding of firewalls, NAT and packet filtering (specifically Iptables)
  • General Networking skills os a BIG plus (Layer 2 & 3 switches, TCP/IP, SNMP, etc.)
  • Experience with Hadoop and related projects (Hive, Hbase, Pig, Spark, Mahout, etc.)
  • Experience in data analysis and visualization

We are seeking a detailed oriented, love challenges, and dynamic person to be our Fraud Analyst. This role will function to identify anomalies and patterns of fraudulent behavior from a variety of information sources including transaction and user data, and endeavors to interpret these insights into actionable items to strengthen the security of the system and mitigate the negative impact of fraudsters.

Job Responsibility:

  • Monitoring and review of suspicious transactions and user activity
  • Generate additional insights by analyzing transaction and user behavior patterns
  • Work closely with engineering and data science team to codify these insights into the existing fraud monitoring systems and business processes
  • Create ad-hoc reports and presentations to inform management and aid strategic decisions
  • Conduct deep and detailed analyses into various and complex data sets


  • Bachelor’s Degree with GPA minimum 3.0, preferably in quantitative subject (i.e. Computer Science, Engineering, Economics, or Mathematics).
  • Minimum 2 years’ experience as Fraud Analyst or Business analyst in financial sector preferably.
  • Strong analytical skills as well as good understanding of business processes.
  • Proficiency in Python, SQL and other database management software will be a big plus.
  • Comfortable working in a dynamic and fast-paced environment.
  • Conversational ability in English required

As a full stack engineer, you will cover everything from building interfaces and backend services, for a wide range of web-based applications, and involvement in deployment process. You will be a part of team who utilizes Javascript technologies such as React/Angular/Vue in frontend development and NodeJS in backend development. The shortlisted will be someone who has strong motivation, good communicator, biased for speed, high ownership and have experience in developing/maintaining scalable web applications.


  • Work with the Product, Business, and Sales teams to gather and understand requirements and deliver scalable solutions
  • Design, develop, and maintain new and existing web applications
  • Write high quality, maintainable code
  • Continuously optimize existing applications to achieve better design and performance
  • Ensure web applications are fully deployed, implemented, and functioning
  • Participate in design discussions, reviews and propose/implement solutions to technical problems and challenges

Qualifications & Experience:

  • B.S, M.S, and/or PhD in Computer Science or equivalent
  • 4+ 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 NodeJS
  • Experience 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

Job Responsibility:

  • Develop and implement Machine Learning pipeline infrastructure, including but not limited to: ETL (Extract, Transform and Load) of raw data into model features and building platform to automate ML training, testing and maintenance.
  • Partnering with Data Scientists to transform prototypes of predictive models into high performance, well integrated systems.


  • 1-2 years (for Junior role) and 3-5 years (for Senior role) of relevant experiences in Machine Learning, Software or Data Engineering
  • Ability to write robust code in Python
  • High degree of proficiency with RDBMS (i.e. MySQL, PostgreSQL) and No-SQL platforms (i.e. S3)
  • Having baseline knowledge of data structures, data modeling and software architecture related to Machine Learning
  • Strong interest in building scalable and reliable Machine Learning/ AI related services
  • Past experience working with cloud services platfor to build data pipeline, monitoring, scheduler and storage, preferably on AWS environment.
  • Familiarity using a distributed computing platform, such as Hadoop or Spark is a plus

Currently, we are looking for Portfolio Manager who will play a vital role in ensuring that potential risk is well-informed to the management, advising portfolio trend analysis, and conducting monitoring reports. A successful candidate will have good problem solving skills, a track record of high performance, a demonstrated ability to meet deadlines and a strong desire to learn.

Job Responsibilities:

  • Daily review on key risk indicators and identified potential risk factor if any
  • Perform in-depth analysis to evaluate risk event and outline findings
  • Develop understanding on the business process to address inquiries related to credit, risk and portfolio management
  • Actively identify opportunities to improve portfolio quality and reduce risk
  • Participate on new product launch, policy change implementations and process changes


  • Bachelor’s Degree from reputable University with minimum GPA 3.0
  • Minimum 4 years experiences in Risk function, data analysis, lending, or other related fields within Financial Institution
  • Good knowledge in SQL and or statistical tool (e.g. SAS)
  • Strong analytical skills and put attention on details
  • Must be good communication in English
  • Open minded and willing to learn something new
  • Collaborative

We are looking for Product Manager for our Internal Platforms that will collaborate with teams across divisions to deeply understand their opportunities and challenges, and together with designers and engineers creating high impact solutions to our internal platforms. The shortlisted candidates will be the ones that can connect the dots between individual stakeholder needs to craft Kredivo’s internal product strategy.

Job Responsibility:

  • Build and improve products that help employees at Kredivo do their best work
  • Build relationships with departments across Kredivo including operations, finance, sales and marketing
  • Set the product strategy, prioritize features, build consensus, and coordinate product schedules with a team of engineers and designersto ship high-quality experiences to internal Kredivo teams.
  • Drive data-informed decisions by integrating user research, data analysis, and stakeholder feedback into product requirements, ensuring products satisfy user needs.
  • Lead exploratory investigations to identify opportunities with new teams and develop hypotheses into concrete projects.


  • At least 3 years of experience as a product manager and / or project manager in a startup environment
  • Solid technical background in SQL query and programming language such as Python and Java with understanding and/or hands-on experience in software development
  • Extremely strong communication skills
  • 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

Finaccel is looking for a Senior Quality Assurance (QA) engineers to develop and execute exploratory and automated testing to ensure product quality for Kredivo’s backend services and mobile applications. Candidates should be able to create detailed, comprehensive and well-structured test plans/test cases, have excellent knowledge of MySQL and good with scripting tools in Linux environment. Candidates with programming expertise to automate testing using open-source test automation frameworks will be preferred.


  • Work closely with product, design and engineering teams to understand product requirements and design/execute test plans with complete ownership
  • Develop and maintain automation suites for website, mobile application and backend services
  • Carefully plan out release process including identifying inter-dependencies and backward compatibility
  • Work closely with dev operations team in planning, executing and verifying product releases and measuring impact
  • Replicate bugs reported in production on staging environment and help troubleshoot and fix with urgency
  • Help define, drive and implement QA best practices and process

Qualification & Experience:

  • BS, MS, and/or PhD in Computer Science or equivalent
  • 3+ years in manual and automated testing of web services and mobile applications
  • Strong understanding of Data Structures, Algorithms, and Computer Science fundamentals
  • Strong understanding of testing best practices across white box, black box and regression testing
  • Strong analytical, problem solving and troubleshooting skills to test product quality for functional/non-functional requirements
  • Excellent with MySQL and scripting tools like BASH or Python on Linux
  • Intermediate level experience writing automation suites in any language of choice
  • Good understanding of HTTP, Web Services, OAuth and Restful APIs
  • Experience working with Git and CI tools like Jenkins, Travis or others
  • Good communication skills and strong attention to details
  • Ability to work well in a team with humility, passion and self-motivation

Security Analyst – Blue Team is part of our Information Security Department who is responsible for cyber attacks. On a daily basis, our Blue Team will continuously detect, analyze, investigate and prevent any security incidents. Security Analyst will also work together to decide each phase of an incident and respond appropriately. In addition, the incumbent must have a passion for learning and proactively develop themselves within the ever-growing startup company like FinAccel.
Last but not least, he/she will collaborate with the pentester (red team) in developing strategies to minimize security risks in infrastructure or/and applications owned by FinAccel.

Job Responsibility:

  • To install and analyze suspicious traffic.
  • Manage cloud-based WAF: Implementation and Configuration
  • Protect, analyze, and investigate security incidents.
  • Has knowledge in doing malware analysis (Both on network and application)
  • Determine the requirements needed to build security monitoring tools.


  • Experienced working in security for blue team for at least 2 years, most favorably in startup working environment.
  • Experienced in managing and supporting cloud-based WAF, anti DDoS systems, and security monitoring tools (SIEM, Log Management, etc.)
  • Have experience in implementing and operating commonly used security monitoring tools such as for example one of: Cloudflare, Elastic, CloudTrail, AlienVault USM, and InsightIDR (Rapid7).
  • Have experience in building security services in complex environmental systems.
  • Strong Log Management, Aggregation and Analysis Skills
  • Good English proficiency
  • Able to work in a team and learning fast

FinAccel is looking for Senior Backend engineers to join their R&D center in Jakarta, Indonesia. The team is responsible for developing new product functionality for Kredivo, build scalable services and tools using open source frameworks/cloud infrastructure and integrate machine learning models for real-time credit scoring and fraud detection. Candidates should have strong background in developing scalable microservices using event driven architecture.


  • Design and implement backend services for various FinAccel lending platforms like Kredivo.
  • Work with the Product, Business and Sales teams to gather and understand requirements and deliver scalable solutions.
  • Write high quality, maintainable code.
  • Own parts of the system and continuously work to improve them in an agile environment.
  • Benchmarking, load testing, diagnosing problems and helping create solutions.
  • Research and implement modern frameworks and technologies for back-end systems.
  • Participate in design discussions, reviews and propose/implement solutions to technical problems and challenges.

Qualifications & Experience:

  • Bachelor’s degree in Computer Science, Information Technology or equivalent
  • Minimum 3 years of software development experience
  • Strong understanding of Data Structures, Algorithms and Computer Science fundamentals
  • Strong logical and innovative thinking, troubleshooting skills and diagnostic intuition, able to assess the business needs and reflect the value into the product design
  • Experience working on one of follow programming language: Python, Golang or C++
  • Good understanding of microservices architecture and event driven programming paradigm
  • Proficient in HTTP, Web Services, OAuth and Restful APIs
  • Familiar with Linux environment
  • Experience working with cloud based systems and infrastructure services such as AWS, GCP, etc is a plus
  • Good Communication skills and good attention to details
  • Ability to work well in a team with a positive attitude

We are looking for a result-focused and innovative Senior Data Scientist who also possess strong business acumen to be based in Singapore. As a Senior Data Scientist, you will lead the initiatives to build variety of data products to improve the efficiency and the effectiveness of the existing business process as well as mentoring and coaching junior data scientists. You will have a unique opportunity to work in a fast pace business and utilize vast amount of data, ensuring high growth working environment.

Job Description:
  • To lead and mentor team of Data Scientists in a multi-disciplined team where you will take full ownership of turning discoveries and ideas into machine learning models
  • Identify opportunity and conduct R&D to improve efficiency & effectiveness of business process using ML model across variety of fields such as risk, marketing, collection, customer service, underwriting; by using our vast amount and unique set of data
  • Actively contribute to taking Data Science at FinAccel to the next level
  • Communicate clearly the potential impact of data products to relevant stakeholders.
  • 4+ years of industry experience in working at financial domain for a consumer-facing company
  • Experience building 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)
  • Proven communicator with technical teams, clients and senior stakeholders
Bonus points (optional) for:
  • Experience with alternate data to evaluate credit risk
  • Experience in building state of the art Computer Vision or NLP models

Finaccel is looking for Tax & Accounting Supervisor who has experienced in bookkeeping and tax/accounting matters. The ideal candidate will be required to prepare tax returns and assist with related client tax matters. Strong tax preparation and tax research skills.

Job Responsibilities:
  • Checking income tax from vendor invoices
  • Creating recap and perform reconciliation between accounting and fiscal
  • Handling Monthly Income Tax Return, PBK, DGT up to E-SPT
  • Perform monthly equalization of tax base between accounting and fiscal
  • Prepare monthly and yearly corporate income tax calculation and tax return
  • Perform several tasks related to accounting function
  • Minimum 3 years experience for Supervisor level with minimum 1 year of exposure for similar industry (multifinance/fintech/financial services)
  • Minimal holder of Brevet A&B Certificate (IAI or IKPI)
  • Experienced handling DGT Form and PBK
  • Experienced handling Corporate Income Tax Calculation and Fiscal Equalization
  • Hands on experience in accounting/journal entries/reconciliation between accounting and fiscal
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