Total 3 job vacancies by Amartha

Amartha is a technology company focused on creating shared prosperity by developing digital financial solutions for the grassroots economy. Founded in 2010 as a microfinance institution, Amartha connects rural, women-led micro-enterprises with affordable capital. Amartha is expanding as a tech company, building a microfinance ecosystem that connects to the growing digital economy through capital, investment, and payment services. By boosting the competitiveness of micro and small entrepreneurs, Amartha empowers women-led MSMEs, creates jobs, and fosters inclusive economic growth.

About The Team

Amartha is actively expanding its digital risk management team as part of our strategic focus on digital transformation in 2025. We are looking to strengthen our capabilities in managing digital lending risks to support our growing portfolio of digital financial products. To this end, we are currently seeking a highly skilled Senior Digital and Embedded Lending Risk Lead to join our team. This role will play a critical part in shaping and overseeing the risk management strategies for our digital lending platforms, ensuring that we continue to provide secure and effective financial solutions to our customers while mitigating potential risks in a rapidly evolving digital landscape.

Responsibilities

• Develop and maintain credit risk policies and frameworks for digital lending products and/or embedded finance products.
• Analyze credit data and customer profiles to define lending thresholds, risk tolerance, and approval criteria.
• Establish exposure limits-based analysis for partners.
• Propose risk-adjusted pricing strategies based on customer risk profiles.
• Monitor portfolio performance and loan repayment trends to adjust risk policies and mitigate potential losses. 
• Collaborate with data science teams to continuously improve risk scoring models and decision engines.
• Partner with product, business, operation, collection etc to align credit policies with business growth strategies and customer needs. 
• Prepare reports and presentations on portfolio health and risk exposure for stakeholders
• Drive innovation in credit risk assessment methods, particularly using alternative data sources and digital-first strategies.
• Monitor changes in regulatory environments and adjust policies to maintain compliance with evolving legal frameworks.

• Bachelor’s degree in Finance, Economics, Engineering, Business Administration, or a related field are a plus.
• 5+ years experience in credit risk management, policy development, or risk analysis, ideally within digital lending, banking, leasing (multifinance) and fintech.
• Strong understanding of credit underwriting and portfolio management.
• Experience working within the embedded finance space/ managing risk in partnership with third-party platforms
• Excellent communication and collaboration skills with the ability to work across teams and external partners
• Familiarity with digital lending platforms, credit technology, and alternative lending models is a plus.      

We are looking for a creative and data-driven Brand Strategist to define, execute, and elevate our brand identity and market positioning. This role focuses on increasing brand awareness, crafting impactful narratives, and delivering cohesive messaging across all channels to inspire and engage our target audience in Indonesia.

Responsibilities

• Develop and implement a brand strategy aligned with the company’s mission and goals.
• Analyze market trends, customer insights, and competitors to identify growth opportunities.
• Ensure brand consistency across all channels, including tone, voice, and visuals.
• Track brand performance (awareness, sentiment, engagement) and adjust strategies as needed.
• Lead and execute brand campaigns to drive awareness and engagement.
• Work with cross-functional teams to ensure brand alignment across all initiatives.
• Create content that supports campaigns and business goals, ensuring it reflects the brand’s voice.

• Bachelor’s degree in Marketing, Communications, Business, or a related field. preferably 
• 3–5 years of experience in brand strategy or marketing, in Fintech, Financial Service, or Tech Company.
• Proven expertise in building and managing brand strategies for B2B or B2C segments.
• Strong analytical skills and the ability to translate data into actionable insights.
• Excellent storytelling and communication skills.
• Creativity and a strong eye for detail in crafting compelling brand narratives.
• Ability to manage multiple projects and meet tight deadlines

Amartha is a technology company focused on creating shared prosperity by developing digital financial solutions for the grassroots economy. Founded in 2010 as a microfinance institution, Amartha connects rural, women-led micro-enterprises with affordable capital. Amartha is expanding as a tech company, building a microfinance ecosystem that connects to the growing digital economy through capital, investment, and payment services. By boosting the competitiveness of micro and small entrepreneurs, Amartha empowers women-led MSMEs, creates jobs, and fosters inclusive economic growth.

About The Team

Amartha is actively expanding its digital risk management team as part of our strategic focus on digital transformation in 2025. We are looking to strengthen our capabilities in managing digital lending risks to support our growing portfolio of digital financial products. To this end, we are currently seeking a highly skilled E-Money and Digital Delivery Risk Lead to join our team. This role will play a critical part in shaping and overseeing the risk management strategies for our digital lending platforms, ensuring that we continue to provide secure and effective financial solutions to our customers while mitigating potential risks in a rapidly evolving digital landscape.

Responsibilities

• Design and implement a risk management framework for e-money services aimed at Amartha Link agents, focusing on operational, fraud and credit risks.
• Implement controls specific to the Amartha Link agents, including transaction limit, fraud detection system, and secure onboarding process. 
• Assess risk associated with e-money usage by Amartha Link agents, particularly around high-volume, low-volume transactions, cross-border payments, cash flow fluctuations, and account-take over.
• Collaborate with data science teams to develop Amartha Link agents-specific risk scoring models and fraud detection algorithms. 
• Work closely with product, tech, business, operations teams to ensure risk controls are integrated into e-money products and services for Amartha Link agents.
• Prepare reports and presentations to stakeholders on the performance and risk exposure of e-money and agents services.
• Ensure compliance with regulatory requirements and stay informed of changes in regulatory policies.

• 5+ years’ experience in risk management, preferably within e-money, digital payments, fintech, or MSME banking service.
• Experience working with MSME users/ segments, with a deep understanding of the financial needs and risks associated to this segment. 
• Proven track record in managing risks related with digital financial services, including fraud detection, transactions monitoring. 
• Excellent communication and collaboration skills with the ability to work across teams and external partners
• Strong understanding of regulatory frameworks and compliance requirements related to e-money services.