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Join FinAccel

FinAccel is one of the fastest growing fintech companies and a leading BNPL platform 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 flagship product, Kredivo, qualifies buyers for instant ecommerce and offline purchase financing as well as personal loans at rates, which are much lower than other providers. We do this by using breakthrough technology and data science to unlock unprecedented insights about credit risk and fraud from multiple data sources: phone, social networks, telco, financial and location data.

We’re looking for an Android Engineer  who is excited to help design, develop, and polish our Kredivo apps to be the next generation of fintech apps. Our Android Engineer will make an impact in:

Job Responsibility:

  • Designing and developing of Kredivo Android app, and building other exciting Android products in the future
  • Writing high quality, maintainable code
  • Participating in design discussions, reviews and propose/implement solutions to technical problems and challenges

Requirements:

  • Well proven 2 years of experience as an Android Engineer
  • Must have startup experience (open for other industry)
  • 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 Backend Engineers to join our team.  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 a strong background in developing scalable microservices using event driven architecture.

Job Responsibilities:

  • 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.

Requirements:

  • 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
  • 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 and ability to work well in a team with a positive attitude

We are looking for Senior Backend Engineers to join our team. The team is responsible for developing new product functionality for Kredivo, building scalable services and tools using open source frameworks/cloud infrastructure and integrating machine learning models for real-time credit scoring and fraud detection. Candidates should have a strong background in developing scalable microservices using event driven architecture.

Job Responsibilities:

  • 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.

Requirements:

  • Bachelor’s degree in Computer Science, Information Technology or equivalent
  • Minimum 5 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 Senior Backend Engineers to join our team. The team is responsible for developing new product functionality for Kredivo, building scalable services and tools using open source frameworks/cloud infrastructure and integrating machine learning models for real-time credit scoring and fraud detection. Candidates should have a strong background in developing scalable microservices using event driven architecture.

Job ​​Responsibilities:

  • 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.

Requirements:

  • Bachelor’s degree in Computer Science, Information Technology or equivalent
  • Minimum 5 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 and Django
  • 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
  • English proficiency is a must 
  • Good Communication skills and good attention to details
  • Ability to work well in a team with a positive attitude

We are looking for someone who could help us create and maintain the 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 ​​Responsibilities:

  • Support automated build, configuration, and deployment processes
  • Provide debugging and troubleshooting assistance to application development teams
  • Development, maintenance, and support of specialized applications for use by in-house user communities and external clients
  • Work independently to respond to and resolve customer requests and issues

Requirements: 

  • 3-4 years of systems administration and configuration experience with 2 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 is a BIG plus (Layer 2 & 3 switches, TCP/IP, SNMP, etc.)

We are in search of an Engineering Manager who will be responsible for designing, building, improving, and operating our Products and systems. The perfect candidate will be clearly characterized by progressive technical experience and demonstrated progression in management responsibility. He/she has also kept sharp coding skills and brings an unwavering passion for managing the dynamics of a fast-paced environment. If you are passionate, adaptable, and innovative, FinAccel is the right place for you. 

​​Job Responsibilities: 

  • You will drive high standards of code reviews, design reviews, and architecture discussions to ensure the delivery of high performance, reliable, scalable, and available distributed systems serving millions of customers. You will set the vision of the domain architecture and technology stack for technology in your organization, driving implementation of medium and long term tech investment.
  • You will also be the steward for good engineering quality and practices in the organization and your product domains.
  • While you will actively participate in development along with team members, you are also a tech evangelist, a role model of our engineering culture by mentoring more junior engineers to instill engineering best practices and good habits.
  • You will have a lot of opportunities to experiment with new and relevant technologies and tools, driving adoption while measuring yourself on the impact you are able to create.
  • You will work in cross-functional teams and meet great people regularly from top tier technology, consulting, product, or academic background. We work in an open environment where there are no boundaries or power distance. Everyone is encouraged to speak their mind, propose ideas, influence others, and continuously grow themselves. Get the exposure to multi-aspect, collaborative, intensive startup experience with our expansion plan into multiple countries and exploration of new products.

Requirements: 

  • Passion in software engineering, product, organization, and people development
  • At least 5 years of experience in software engineering
  • Strong technical leadership on vision and setting direction for a complex system in a medium-to-large size organization
  • Experience with design, development and operations of highly available (24/7) and large scale distributed systems with millions or more users
  • Excellent understanding of software engineering concepts, algorithms and design patterns
  • Excellent interpersonal, communication and influencing skills to manage both technical and non-technical peers and stakeholders
  • Excellent leadership and independence to work in dynamic and agile startup environment with high ambiguity
  • Excellent organizational ability in coaching, engaging people and managing performance
  • Expertise in Go/ Java/ Python tech stack and Cloud services is an advantage
  • Experience in B2C Internet products like online finance technology is an advantage

We are looking for a Fullstack Engineer to join our team. You will cover everything from building interfaces and backend services, for a wide range of web-based applications, and involvement in the deployment process. You will be a part of a 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 has experience in developing/maintaining scalable web applications.

Job Responsibilities:

  • 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

Requirements:

  • 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

We are looking for The Governance, Risk, and Compliance Team. You will be responsible for defining, measuring, assessing and aligning with the ISO 27001 framework and other regulatory compliance legislature through maintenance/publication of the information Security Policy & Guiding Standards, coordination of security training/awareness and being responsible for Policy enforcement.

The purpose of this position is to ensure compliance with FinAccel’s internal controls, regulatory and information security policies and procedures. Also, to provide highly skilled technical and information security expertise for the development and implementation of the information security risk management program.

Job 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.
  • Owns and runs all aspects of the Security Awareness Program.
  • Responsible for contract reviews with potential technology providers to ensure negotiated agreement include critical Information Assurance terms and conditions.
  • Provides ongoing metrics and reporting for security resource consumption at all levels in the organization.
  • 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, 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.

Requirements:

  • 2-3 years of advanced IT skills with a high level of information security experience and expertise.
  • Bachelor’s or master’s degree in computer science, information systems, business administration or related field, or equivalent work experience
  • Knowledge of information technology system and processes, network infrastructure, data architecture, data processes, protocols and incident response management.
  • Understanding of applicable information security management frameworks, governance and compliance principles, practices, laws, rules and regulations relating to technology and financial environment (e.g., OJK Regulation, ISO 27001, ITGC, etc.)
  • Ability to develop and implement enterprise governance, risk and compliance strategy and solutions.
  • Able to develop and establish security standards and guidelines based on best practices and industry standards.
  • Apply a risk-based approach to planning, executing, and reporting on audit engagements and auditing process.
  • 1-2 years of planning and managing security projects.
  • Excellent interpersonal, communication, and presentation skills, including formal report writing experience.
  • Skills in maintaining confidentiality, documenting risk and compliance activities.
  • Information security-related training or certifications such as ISO 27001 Auditor, CISSP, or CRISC.
  • Experience performing information system audits or risk assessments.
  • Familiarity with risk management methodology, information system auditing, monitoring, and controlling.

We are looking for Security Analyst – Blue Team to be 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. Blue team member must able to understand each of development’s phases in order to pre-screening the potential threat and weakneses before release to the public. 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, this incumbent will collaborate with the pentester (red team) in developing strategies to minimize security risks in infrastructure or/and applications owned by FinAccel.

Job Responsibilities:

  • Able to identify and analyze threat (both on infrastructure and application).
  • Able to detect, analyze, and investigate security incidents.
  • Determine the requirements needed to build security monitoring tools.
  • Able to understand each of development’s phases in order to pre-screening the potential threat and weaknesses before release to the public.

Requirements:

  • Experience working in security for red team or blue team for at least 2 years, most favorably in startup working environment.
  • Have experience in software development.
  • Have knowledge of penetration testing on application (both on mobile and web), network, and infrastructure.
  • Able to understand secure code analysis process or having experience in static code analysis and able to use the tools ( sonarqube, cherckmark, veracode, 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).
  • Having experience in building security services in complex environmental systems (automation).
  • Have experience in C Language or Python or Java.
  • Good English proficiency
  • Able to work in a team and fast learning.

We are looking for Security Engineer – Blue Team to be 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 cyber attacks. Security Engineer must understand every phase of development so that he can do pre-screening of possible threats and weaknesses before the feature is released to the public. In addition, the incumbent must have a passion for learning and proactively develop themselves within the ever-growing startup company like FinAccel.

Job Responsibilities :

  • Identify and analyze threats to the application by reading the logic in the source.
  • Determine the requirements needed to run SSDLC (Secure Software Development Lifecycle).
  • Provide security awareness training to developers

Requirements :

  • Experience working in security for the blue team for at least 2 years, most favorably in a startup working environment.
  • Understand the process of secure code analysis or have done static code analysis using static code analysis tools i.e : sonarqube, cherckmark, veracode, etc.
  • Have knowledge of penetration testing both on applications (mobile and web apps) as well as on network systems and infrastructure.
  • Have experience in building security services in complex system environments (automation).

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 Finaccel’s systems (Infrastructure & Application). Security Engineer – Red Team must have extensive knowledge in vulnerability assessment and penetration testing. 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, the incumbent will collaborate with security analyst and security engineer – blue team in developing strategies to minimize security risks in infrastructure or/and applications owned by FinAccel.

Job Responsibilities:

  • 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.

Requirements:

  • 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.

We are looking for SEIT to join the engineering team to develop and configure test automation networks 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 SEIT field.

Job Responsibilities:

  • Write test scripts to automate complex test cases and scenarios for mobile apps and/or web apps
  • Analyze user stories to define test plan, including test scenarios and test cases, that will ensure the acceptance criteria of the story are being fulfilled
  • Execute all relevant testing types for the story, including user interface testing, functionality testing, performance testing, regression testing, unit testing, system testing, or integration testing
  • Document your analysis and test reports

Requirements:

  • Bachelor Degree in Information System, Computer Science, or related fields
  • Good knowledge and experience in Object-oriented Programming
  • Strong logical thinking
  • What would be ideal for you to have
  • Experience in creating mobile/web application
  • Knowledge in automated testing framework (e.g. selenium, appium)
  • Experience in test-driven development
  • Knowledge of software QA methodologies, tools, and processes
  • Experience in designing, writing, maintaining, and executing software tests
  • Ability to think as an end user
  • Has Scripting experience such as Python or JavaScript
  • Passion for developing and maintaining a good user experience
  • Comfortable with switching contexts rapidly
  • Strongly passionate about mobile/web technologies
  • Enjoy challenges and is eager to grow
  • Yearning for a company that put high values on training and developing your skills

We are looking for Senior Data scientist to be part of our team. You will lead initiatives to build diverse set data products and mentor junior data scientists. Working in a fast-growing company, we are about to expand regionally thus there will be an exciting opportunity for high personal growth and unlimited access to lots of data to explore. Our ideal candidate is result-focused, innovative, has a solid quantitative background and a good business understanding.

Job Responsibilities:

  • To lead and mentor team of Ds  in a multi-disciplined team where you’ll take full ownership of turning discoveries and ideas into machine learning models
  • Identify opportunity and conduct research development to improve efficiency & effectiveness of business process using ML model across fields — CS, underwriting, collection, marketing; by using our vast amount and unique set of data
  • Actively contribute to taking Data Science at FinAccel to the next level
  • Communicate the potential impact of — product data — to relevant stakeholders. 

Requirements:

  • 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 end-to-end Deep Learning and/or NLP models

We are looking for a result-focused and innovative Data Scientist who also possesses strong business acumen to be based in our newly established branch in Ho Chi Minh, Vietnam. As the first Data Scientist, you will lead the initiatives to help build a variety of data products to improve the efficiency and the effectiveness of the existing business process. You will have a unique opportunity to work in a fast-paced business and utilize vast amounts of data, ensuring a high growth working environment.

Job Responsibilities:

  • 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 Kredivo VIetnam  to the next level
  • Communicate clearly the potential impact of data products to relevant stakeholders. 

Requirements:

  • 3+ 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 English is a must
  • 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

We are looking for Machine Learning Engineers to join our Data team. The incumbent will closely collaborate with Data Science team in feeding data (across functions such as, credit scoring, fraud, and risk) into financial models defined by data scientists. This role is also responsible to make sure that data science code is maintainable, scalable and debuggable.

Job Responsibility

  • Develop and implement ML 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.

Qualifications

  • 3-5 years of relevant experience in Data or Software Engineering and minimum 1-2 years hands-on experience in deploying machine learning models and feature pipelines
  • Having good knowledge of data structures, data modeling and software architecture related to Machine Learning
  • Ability to write robust production-ready code in Python
  • High degree of proficiency with RDBMS (i.e. MySQL, PostgreSQL) and No-SQL platforms (i.e. S3)
  • Proficiency in machine learning libraries such as: Tensorflow/Keras, Pytorch, SparkML or MLeap
  • Strong interest in building scalable and reliable Machine Learning Engineering/AI related services
  • Past experience working with cloud services platform to build data pipelines, monitoring, scheduler and storage, preferably on AWS environment.
  • Familiarity using a distributed computing platform, such as Hadoop or Spark

We are looking for Data Engineer & Analytics to join our team. 

Job Responsibilities:

  • Design and develop scalable business data solutions across the entire data supply chain.
  • Create and review technical and user-focused documentation for data solutions (data models, data dictionaries, business glossaries, process and data flows, architecture diagrams, etc.).
  • Solve for complex data integrations across multiple systems.
  • Collaborate with management, business partners, analysts, developers, architects, and engineers to support data quality efforts.
  • Expertise (can teach/instruct others): in current data warehousing concepts (using technologies like Redsift, Spark, Hadoop, web services, etc to support business-driven decisioning)
  • SQL and database scripting
  • With data manipulation scripting languages (like Python or Scala)
  • With Data Science toolsets and technology stack

Requirements: 

  • A passionate and curious individual in Data Engineering and Analytics subject areas
  • 1-5 years of any relevant experiences in Data Engineering, Data Warehouse, Business Intelligence, Analytics
  • Good proficiency in writing SQL, either in RDBMS (i.e. MySQL, PostgreSQL, etc) or OLAP (i.e. BigQuery, Redshift, Oracle, etc.)
  • Ability to write robust and scalable code in Python or other scripting programming language
  • Good knowledge in creating a workable business dashboard.
  • Basic proficiency or experience in infrastructure setup using cloud services (i.e. AWS, GCP, Azure).
  • Strong passion in data engineering or business intelligence areas, ability to search or create solutions.
  • Good communication skills in Bahasa and English. Mostly explaining technical things.
  • Good workable attitude, something we could invest time to develop

Kredivo is one of the fastest-growing consumer finance products in Indonesia. Kredivo provides buyers with instant financing to buy their favourite eCommerce products on more than 300 merchants, with a simplicity of a 2-click checkout. Kredivo performs instant credit risk decisions on its users using more than 5000 features that span a user’s digital footprint.

As Operations (Associate)Manager Funding for Indonesia, you will collaborate with a team across the division to effectively maintaining Kredivo’s local lender accounts (banks and MFC’s) spanning channelling, joint financing and credit lines. You will report to the Head of Indonesia Funding and supporting these partnerships with the focus of growing their business by optimizing existing relationships and proactively identifying improvements to scale up debt funding facilities related to our products and offering. This is a cornerstone position within the Kredivo organization where this individual will support expanding Kredivo’s network with financial institutions in Indonesia.

Job Description

To develop the kind of strong lender partnerships we aspire to, we want people who can:  

  • Monitor the funding portfolio’s performance daily to identify improvement areas in the lender integration experience
  • Continuously analyze and evaluate lender needs to deepen partnerships with existing lender partners
  • Build relationships to liaise with departments across Kredivo, including product, legal, finance and risk team
  • Delivers all external reports to lending partners on a monthly basis
  • Prepare and review internal/external documents with the aims to effectively retaining quality business relationship

Requirements:

  • Bachelor’s degree in accounting, finance, or relevant field
  • At least 2-4 years of relevant work experience in consumer finance/digital lending/or equivalent Fintech Industry
  • Excellent communication and interpersonal skills
  • Proficiency in English is a must
  • Strong in problem-solving and decision-making aptitude

We are now expanding our presence in Vietnam and looking for a General Accountant who will provide support to the finance and accounting team by managing daily accounting tasks and preparing financial statements and reporting. The incumbent will post information into the Accounting System and reconcile accounts to ensure accuracy. This role directly reports to the Head of Finance and Accounting.

Responsibilities:

  • Transaction with the banks of the company’s account
  • Checking balance of figures between subsidiary ledger and general ledger
  • Checking and ensuring ending balance is matched with detail reports
    Preparing tax reports for every month, quarter and year, submit to the related organizations. Beside performing tax finalization
  • Following, paying and controlling receivables and payables
  • Processing and journal accounting entry. Check documents, reports, and documents relation with payment before sending to HOD.
  • Explaining figures and supply documents to tax authorities, auditor, inspector according to chief accountant’s request
  • VAT refund
  • Proactively advise HOD and BOD on the company’s finance situation & propose action plans
  • Other tasks as required by HOD or BOD

Requirements: 

  • University graduate from Economics. Having experience in audit is a plus
  • Minimum 06 years’ experience working as General accountant, Accountant and bookkeeping, accounting and sales
  • Strong knowledge of Vietnam’s taxation laws, good contacts with tax dept and banks; The regime of management, use and depreciation of fixed assets
  • Have experience of financial statements
  • Have the spirit of cooperation, openness, passion and aggressive in work
  • Good in English communication is an advantage
  • Good at computer skills, able to use accounting software

We are looking for HR Compliance and Industrial Relations Manager to join and be part of our team. 

Job Responsibilities: 

  • Responsible for industrial relations that also covers employee disputes, internal communication, employee relations, grievance, hiring-termination.
  • Responsible for routine or mandatory reports to the government or regulators, and monthly reports to the management.
  • Maintain communication with government or regulators.
  • Handling employee Certification registration and reports.
  • Review and give advice to the management in terms of employment contracts, company policy, SOP, and keep up to date with the government regulations and make sure the practices are aligned with the government regulations.
  • Compliance audit for all HR matters.

Requirements: 

  • Bachelor degree in Law or Human Resources is a plus
  • Minimum 7 years of experience in HR Compliance or Industrial Relations
  • Team player with solid communication, listening, and problem-solving skills
  • Good analytical and using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions or approaches to problems.
  • Quick to adapt with new environment and people of varied backgrounds and cultures.
  • Excellent knowledge in labor law, and keep up-to-date with the government regulations.
  • Organized and reliable, able to work independently

We are now expanding our presence in Vietnam and looking for a Talent Acquisition to join our Human Resource team. The incumbent will need to understand the roles, what managers want, and how we are going to attract people to apply to us. The incumbent will be the main point of contact for people who’re applying; answering their queries, finding information from them, setting up interviews and giving feedback.

Responsibilities

  • Create and execute strategies for identifying and engaging active and passive candidates
  • Partner closely with hiring managers and their teams to deeply understand current/future hiring needs and drive a fast and efficient full-lifecycle interview process from sourcing through on-site interviewing, negotiating offers, and closing candidates
  • Build robust and diverse pipelines of candidates through various channels (e.g. meetups and events, employee referrals, and select sourcing tools) Use market expertise, data, business acumen, and intuition to understand trends, educate and influence the business, and continuously improve our recruiting process
  • Partner closely with HR Operations and IT Support to conduct On-Boarding for new employees 
  • And other ad-hoc duties as assigned 

Qualifications

  • 2+ years full-cycle recruiting experience in a highly competitive environment.
  • Track record in sourcing qualified candidates using a variety of resources (including LinkedIn), lead development, negotiating offers, and influencing management decision-making 
  • Proven ability to recruit and hire a variety of roles across divisions. 
  • Demonstrable experience in working with technical leadership at varying levels end to end through the recruiting process 
  • Strong communication, organizational, collaboration, and negotiation skills. 
  • Prior experience in the staffing function of a start-up is a plus 
  •  Good English proficiency is a must

We are now expanding our presence in Vietnam and looking for a Risk Specialist – Underwriting to help support the establishment of our fintech product and its operations in Vietnam. This opportunity will ensure a fast paced, highly rewarding and challenging career. The successful candidate will require a detailed mindset, big picture thinking, relationship building and excellent communication skills.

Job description:

  • The Risk Specialist leverages data to identify key risk indicators and potential risk factor within the underwriting process and provide actionable insight to mitigate the potential risk that may arise.
  • The day-to-day task of Risk Specialist can include the following (but not limited to):
    • Creating ad-hoc report, monitoring and analysis to aid management on risk decisions
    • Daily review on key risk indicators and identified potential risk factor if any
    • Identifying fraudulent activities and provide necessary solutions to stop the gap
    • Participate on new product launch, policy change implementations and process changes

Minimum qualification:

  • Bachelor’s Degree with GPA minimum 3.0 (out of 4.0)
  • Minimum 2-3 years’ experience as Risk Analyst, Risk Specialist, MIS analyst or data analyst in a financial sector
  • English proficiency is a must
  • Working knowledge of SQL and proficiency in Excel are required. In addition, mastery in other database management software will be highly appreciated.
  • Strong analytical skills as proven from previous projects.
  • Comfortable working independently in a dynamic and fast-paced environment.

We are looking for Fraud Investigators to join our team.

Job Responsibilities: 

  • Responsible for collecting information relating to investigations including interviews and business / mystery shopper investigation audit
  • Responsible for security and investigation-related data collection and analysis
  • Responsible for aggregating and summarizing required to prepare fraud investigator reports 
  • Liaise with legal team / relevant authorities for reporting fraud cases

Requirements: 

  • Minimum Diploma Degree (D3); Degree in law or criminology would be an advantage
  • Minimum one (1) year experience in field investigator/ auditor/ survey / CMO
  • SQL knowledge
  • Experience in the same industry would be an advantage
  • Will be located in JABODETABEK

We are looking for Fraud Reviewer to join our team. You will analyze high-frequency transaction data and user behavior to identify fraudulent/ high risk transactions as well as suggest improvements to business processes and systems to prevent such transactions from happening in the future. 

Job Responsibilities : 

  • Daily 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 dashboards to aid top management decision making

Requirements:

  • Bachelor’s Degree with GPA minimum 3.0, preferably in quantitative subject (i.e. Computer Science, Engineering, Economics, or Mathematics).
  • Minimum 1 year experience as Fraud Reviewer or Analyst in financial sector preferably.
  • Strong analytical skills as well as good understanding of business processes.
  • Proficiency in SQL is a must and other database management software will be a big plus.
  • Comfortable working in a dynamic and fast-paced environment.
  • Conversational ability in English required.

Job description:

  • The Risk Analyst leverages data to identify key risk indicators and potential risk factor within the underwriting process and provide actionable insight to mitigate the potential risk that may arise.
  • The day-to-day task of Risk analyst can include the following (but not limited to):
  • Creating ad-hoc report, monitoring and analysis to aid management on risk decisions
  • Daily review on key risk indicators and identified potential risk factor if any
  • Identifying fraudulent activities and provide necessary solutions to stop the gap
  • Participate on new product launch, policy change implementations and process changes

Minimum Qualification:

  • Bachelor’s Degree with GPA minimum 3.0 (out of 4.0)
  • Minimum 2-3 years’ experience as Risk Analyst, MIS analyst or data analyst in a financial sector
  • English proficiency is a must
  • Working knowledge of SQL and proficiency in Excel are required. In addition, mastery in other database management software will be highly appreciated.
  • Strong analytical skills as proven from previous projects.
  • Comfortable working independently in a dynamic and fast-paced environment.

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

Minimum Qualifications:

  • 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

Responsibilities:

As Portfolio Risk Analyst, you will be responsible for the following

  • 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

Minimum qualifications:

  • Advance knowledge in SQL is required
  • Bachelor’s Degree from reputable University with minimum GPA 3.0
  • Minimum 2 years experiences in Risk function, data analysis, lending, or other related fields within Financial Institution
  • Strong analytical skills and attention to detail
  • Conversational ability in English required
  • Strong and highly motivated leader, with positive mindset & attitude
  • Comfortable working in a dynamic and fast-paced environment

We are now expanding our presence in Vietnam and looking for a Portfolio Risk Specialist that will perform data analysis on performance, risk, market dynamics & opportunities, and portfolio construction.This role requires somebody who wants to go above and beyond and thrives in a dynamic environment. You will work closely with the Risk team in other countries on short-term and long-term projects to ensure superior performance for our newly established branch in Vietnam. To be most successful, you will need to blend curiosity, flexibility, and precision. 

Responsibilities: 

  • As Portfolio Risk Specialist, you will be responsible for the following 
  • 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

Qualifications:

  • Advance knowledge in SQL is required
  • Bachelor’s Degree from reputable University with minimum GPA 3.0
  • Minimum 2 years experiences in Risk function, data analysis, lending, or other related fields within Financial Institution
  • Strong analytical skills and attention to detail
  • Conversational ability in English required
  • Strong and highly motivated leader, with positive mindset & attitude
  • Comfortable working in a dynamic and fast-paced environment

We are now expanding our presence in Vietnam and looking for great talents to join our core product team in Vietnam as Product Manager. The winning candidate will be the one who has product management experience, strong customer empathy, excellent execution capability, and strategic vision. We are a small group of PMs in a flat organization, so be prepared to stretch yourself by leading multiple high impact, high visibility initiatives!

Job Description:

  • Lead the 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. Conduct what-if/pros and cons analysis;
  • Scope and prioritize activities based on business and customer impact
  • Work closely with engineering, marketing and operations to scope and implement new features
  • Act as a product evangelist to build awareness and understanding

Qualifications:

  • English is a must
  • At least 4 years of experience as a product marketing or product manager in a startup environment
  • Solid technical background with understanding and/or hands-on experience in software development (e.g.: SQL)
  • 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

We are looking for Product Managers 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 products. The shortlisted candidates will be the ones that are able to develop product strategy and roadmap as well as drive execution of the roadmap to meet success metrics at high quality and evidenced customer delight.

Job Responsibilities: 

  • Define creative, high quality, simple product roadmaps based on team strategy and vision
  • Develop detailed, crisp business requirements and user stories that can be used to create product specifications and architecture for each product and application. Conduct what-if/pros and cons analysis;
  • Work closely with engineering, marketing and operations to scope and implement new features
  • Generate new ideas that grow market share, improve customer experience and drive growth and conversion
  • Drive data-informed decisions by integrating user research, data analysis, and stakeholder feedback into product requirements, ensuring products satisfy user needs
  • Scope and prioritize activities based on business and customer impact
  • Act as a product evangelist to build awareness and understanding

Requirements:

  • At least 4 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

We are looking for an experienced UX researcher to join our team. You will be responsible for helping define and drive the future of our products. You will reveal what our users need from our products by conducting research, working with cross-functional teams, and performing usability studies. These responsibilities also include inspiring change, delivering oral and written presentations, evaluating qualitative and quantitative data, and helping the UX team better understand what would make a user’s experience more intuitive, accessible, and seamless. 

Job Responsibilities: 

  • Conduct primary and secondary user research.
  • Conduct and evaluate quantitative and qualitative research.
  • Perform market and ethnographic research.
  • Work closely with cross-functional teams to identify and evaluate research topics.
  • Plan and implement user research strategies and methodologies.
  • Advocate research findings to diverse audiences through written and oral presentations.
  • Mentor and coach junior UX researchers on the team.
  • Perform usability studies with consumers.
  • Ask questions, gather data, and analyze data.
  • Use a diverse set of UX research tools.

Requirements:

  • Five or more years of UX research experience
  • Bachelor’s or MS in a human behavior related field (or equivalent and demonstrable work experience)
  • Ability to quickly and effectively share research results
  • Ability to perform all research-related tasks including research, planning, evaluating, and iteration
  • Ability to formulate specific, answerable, and practical questions
  • Ability to collaborate effectively with stakeholders and act as a strategic partner in product decisions
  • Experience with remote testing tools
  • A strong desire for creative problem-solving with a positive attitude
  • Excellent time-management skills

We are looking for a UX Writer who can drive cohesive product narratives across multiple platforms and touch points while maintaining Kredivo’s tone and voice. You will use your gift for storytelling to design intuitive, delightful product experiences that help users accomplish their goals. You will write concise, well-crafted messaging that supports and helps to define large-scale content strategy. You will help shape how our voice evolves and grows as you help create innovative features and interactions.

Job Responsibilities:

  • Work cross-functionally with different teams, including design, data, product, engineering, legal, marketing, and customer support. Collaborating with each, you strive to establish a unified voice for the brand. You regularly use empathy, logic, and data to inform content choices and to advocate for the user.
  • Deliver concise, user-focused copy that proactively answers questions, drives retention, and calls for action across consumer-facing and internal products.
  • Show a high sense of ownership to make sure all projects handled by him/her are shipped properly from end to end. 
  • Create and maintain a usable product copy style guide that allows product, customer support, and development teams to move quickly; proactively clearing bottlenecks.
  • Interact with customer-facing teams to understand how users engage with our products and what information they need to be successful.
  • Develop content frameworks, product narratives, and other deliverables that explain the strategy.
  • Work with product, engineering and marketing teams to extract informative data from market research and consumer insights to guide positioning and messaging recommendations.
  • Carry out market research in order to keep up to date with customer trends, as well as trying to predict future trends.
  • Evangelize our brand voice across all parts of the business.

Requirements:

  • At least 2+ years of experience as a UX Writer or a Content Strategist working on mobile or web products that have been released to the market.
  • Bachelor’s degree in English, Journalism, Technical Writing, UX, or equivalent practical experience.
  • Experience in shaping content for multi-disciplinary projects, with a portfolio of UX-focused writing samples and style guidelines.
  • Strong writing, grammatical and proofreading skills with the ability to be creative in writing product descriptions.
  • Strong organizational skills and impeccable attention to detail.
  • Experience in the banking or finance industry is a plus. 
  • Experience partnering with Product, Engineering, Research and Marketing to craft broader product strategies. A positive attitude, open mindset.
  • Ability to be a dependable team player

We are looking for an experienced Lead UX Writer to join the Product Design team and lead UX writing across every step of the user journey. In this role, you’ll work closely with product designers, product managers, executives and other divisions to shape the language across our design ecosystem while establishing guidelines and best practices.

Job Responsibilities: 

  • Represent the discipline of UX Writing across the Product Design team and the company
  • Establish a team strategy and vision
  • Show a high sense of ownership to make sure all projects handled by writers are shipped properly from end to end and across products.
  • Advocate for user-centered content while establishing standards and best practices
  • Build relationships with cross-functional team members and executives across disciplines, and effectively speak to process, goals, and team vision
  • Identify opportunities to offer a content strategy perspective throughout the product development process, and lead projects and initiatives end to end
  • Develop FinAccel’s voice and tone across all products and services

Requirements: 

  • 5+ years of UX writing experience
  • Bachelor’s degree in English, Communications, Journalism, Technical Writing, graphic design, HCI, or equivalent practical experience
  • Ability to think big and understand complex feature sets, shaping content for multi-disciplinary projects and a diverse set of user archetypes
  • Excellent verbal and written communication skills
  • Superb attention to detail
  • Ability to work well on a highly collaborative and cross-functional team
  • Ability to thrive in a fast-paced, dynamic startup environment
  • Portfolio of UX-focused work samples for web and mobile applications

We’re looking for an Associate Product Manager for Kredivo, Indonesia’s first fully online and automated installment financing solution. Kredivo is a breakthrough financial product — an instant credit card for ecommerce, without all the hassles of a traditional credit card. Your job as Associate Product Manager is to take on the responsibility for building a product that customers love!

Role Overview:

  • Assist Product Manager in doing the 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. Conduct what-if/pros and cons analysis
  • Scope and prioritize activities based on business and customer impact
  • Work closely with engineering, marketing and operations to scope and implement new features
  • Act as a product evangelist to build awareness and understanding

What we’re looking for:

  • At least 2 years of experience as a product marketing or product manager 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
  • Strong intuition for user behavior
  • Ability to develop product and marketing strategies
  • Excellent analytical and problem-solving skills

Kredivo Buy Now Pay Later is the market leader for Indonesia and we are now expanding our presence in Vietnam. As we build out our team here, we are looking to hire an amazing “Customer Success” Executive / Assistant Manager.

You will be joining us in the FinAccel Vietnam journey right at the beginning and will be an instrumental part of the team that setups up the entire business development operations, merchant relationships i.e the distribution part of our business. This is an incredible opportunity to join a high growth startup as we scale our presence in SEA.

Responsibilities

  • Ensuring onboarded merchants have the right kind of support to represent Kredivo well and make it successful.
  • Setting up merchant onboarding & day to day management of merchants support.
  • Work with the biz dev team on merchant customer success, ensuring timely communication & merchant visibility.
  • Setting partner/merchant priorities, promo planning & user education.
  • Assist the team in establishing business best practices, ensure merchants have the right kind of internal support for product enhancements & marketing campaigns.
  • Creating & communicating merchant quarterly reviews & analytics

The ideal candidate should have

  • Proven business development / account management / marketing expertise with at least 2+ years of relevant experience.
  • Good understanding of the MS-Office product set & using them to get the right messages across to our merchant partners.
  • Deep understanding of the Vietnamese Fintech, eCommerce & retail landscapes.
  • Excellent communication skills (verbal & written), good at creating project plans & ensuring alignment across parties.
  • Fast learner, detail oriented, and very good with consistent follow-ups.
  • Prior experience in the buy-now-pay-later space is a big plus (although not mandatory).