Total 63 job vacancies by Moladin

Moladin adalah platform fintech untuk mobilitas terkemuka di Indonesia dengan solusi pembiayaan end to end untuk semua pemain di ekosistem mobil bekas dan kendaraan listrik (EV). Moladin memberdayakan lebih dari 26.000 agen dan UMKM dealer mobil bekas dalam network yang berkembang pesat, dan memberikan akses pembiayaan yang lebih baik kepada konsumen mobil bekas melalui penjaminan pinjaman yang berbasis digital. Hal ini didukung oleh keahlian Moladin dalam operasional mobil bekas yang kuat dengan cabang dan warehouse di lebih dari 100 kota; AI/IoT yang terdepan di industri, dan kemitraan dengan seluruh perusahaan pembiayaan mobil terkemuka di seluruh Indonesia. Serta dukungan dari PT Moladin Finance Indonesia yang berizin dan diawasi oleh Otoritas Jasa Keuangan (OJK). Visi Moladin adalah menjadi katalis perubahan positif dalam mobilitas fisik dan sosial semua orang yang terlibat di dalamnya (“Mobilitas untuk semua”). Untuk informasi lebih lanjut terkait Moladin kunjungi kami di https://moladin.com/

Responsibility:

• Melakukan audit operasional, dan kepatuhan di cabang kami untuk memastikan kepatuhan terhadap standar perusahaan dan peraturan perundang-undangan yang berlaku.
• Melakukan investigasi internal terkait dengan dugaan penipuan, pelanggaran kebijakan, atau masalah etika di cabang.
• Memeriksa dan mengevaluasi prosedur operasional serta memberikan rekomendasi perbaikan untuk meningkatkan efisiensi.

• Pendidikan minimal S1 bidang akuntansi, keuangan, manajemen, atau bidang terkait.
• Pengalaman kerja minimal 3 tahun dalam bidang audit internal, atau operasional cabang, di industri keuangan atau perusahaan leasing.
• Pengetahuan yang kuat tentang industri perusahaan leasing dan peraturan perundang-undangan yang berlaku.
• Kemampuan analitis yang baik dan kemampuan komunikasi yang baik.
• Bersedia melakukan perjalanan dinas ke seluruh cabang dengan intensitas yang cukup sering (lebih dari 5 kali setahun) dan lama (lebih dari 2 bulan).
• Mampu mengendarai motor atau mobil.
• Memiliki inegritas yang tinggi serta tidak memiliki hubungan keluarga dengan pegawai maupun mitra MOFI.

Responsibilities :

• Develop key monitoring metrics which can serve as useful performance and risks indicators
• Create clear and clean data dashboards for management reporting
• Analyze data critically, form logical conclusions and work on various strategies for process improvement and optimization
• Participate and support ad-hoc onboard projects requiring extensive quantitative data analysis and data-heavy reporting
• Ensure proper execution and oversight of selected onboard initiatives
• Collaborate with other departments and develop clear operational
• Understanding of various activities and institute realistic and practical onboard controls

• Minimum 5 years experience in onboarding/ credit underwriting; with a focus on data analysis and dashboard creation, especially in financing industry.
• Prior experience with CRM platforms and Google Workspace.
• Able to work independently in a fast-paced and data-heavy environment.
• Good communicator, team player and able to work well in a cross-cultural team.
• Task-oriented with strong prioritization skills.
• Strong proficiency in English.
• Strong critical and logical thinking.

• Craft and articulate a comprehensive strategic product vision and roadmap across multiple domains, effectively aligning the various roadmaps with the company's overarching vision.
• Lead cross-functional teams in the concurrent execution of multiple roadmaps, empowering and supporting the team to overcome unforeseen obstacles.
• Contribute to Moladin's product organizational thinking, shaping the evolution of the product and making a significant impact on how users derive value from Moladin applications.
• Go beyond the core focus of product development, taking ownership of end-to-end product development processes from ideation to go-to-market strategies and impact evaluation.
• Take on the responsibility of leading an entire product business vertical, driving measurable success through a defined set of key performance metrics for each team.
• Implement large-scale product initiatives by leveraging a combination of strategic analysis, design, platform development, and insights from data science.

• Minimum of 7 years of experience in Product Management.
• Proven track record as a high-performing leader in product management, with a strong product sense and excellent communication skills to define, explain, and execute product vision.
• Passionate about addressing real people problems at scale.
• Extensive experience leading significant product or growth initiatives across multiple products, platforms, and feature clusters.
• Demonstrated ability to successfully build consumer or business facing applications, and experience in scaling up highly productive product teams.
• An analytical and strategic thinker who can simplify complex problems by creating clear frameworks and scalable solutions.
• Data-driven mindset with deep understanding of product performance measurement and familiarity with experimental methods and analysis, including knowledge of SQL.
• Ability to adopt a business owner's perspective and a genuine interest in understanding customer behavior and motivations.
• Able to think both big picture and detail-oriented, capable of managing a portfolio of experiments and larger features.
• Strong commitment to follow-through and accountability, setting high standards for oneself and the team.
• Active listener who seeks consensus but can make difficult decisions when necessary, driving progress and taking responsibility.
• Ambitious and driven, with a focus on achieving the highest level of success rather than settling for second place.
• Thrives in high-pressure, ambiguous environments.

• Ensures delivery of high-quality features that deliver customer benefit and delight. 
• Actively drive the creation of monitoring dashboards to track the right metrics that lead to actionable insights.
• Maintain responsiveness during work hours, ensuring prompt attention to any issues or when stakeholders seek your assistance; step up unless engaged in more important matters.
• Be comfortable in the day-to-day product workflow and execution of new features; being involved in the testing and delivery of new features to make sure there are no critical issues.
• Create high quality and precise PRD to increase the speed and quality of tech team's development.
• Support the research and analysis of the competitive landscape, customers, product metrics, and latest internet trends to identify and fill product gaps and generate new ideas that grow market share, improve customer experience and drive growth and conversion.
• Working closely with engineering, marketing, finance, operations, and external stakeholders to implement new features and enhancements.
• Analyze product and business data to extract actionable insights; embedding these insights to formulate clear action items and product strategy.

• At least Bachelor’s Degree from top local or overseas universities with preferred GPA of 3.5 on a 4.0 scale. Background in Computer Science, Engineering, or Business field is an advantage. MBA degree and consulting experience is a plus.
• Passion in data-driven product development; have a biased instinct to be data-driven when making decisions.
• Preferably someone that has a product background, but if the person is excellent (driven, smart, has a high ownership), it’s pretty fine if they don’t have any product background.
• Demonstrate high ownership by independently driving tasks, taking responsibility for all aspects related to your product and adeptly coordinating multiple stakeholders.
• Excellent analytical skills and strong intuitions of user behaviors.
• Solid oral and written communication skills (both English and Indonesian).
• Able to grasp and break down complex context quickly; comfortable in doing RCA analysis & growth tree visualization using MECE framework.
• Data-minded whenever possible. You deeply understand how your products work and how to measure long-term impact. You know every step of the funnel. You can design, run, and interpret experiments and A/B tests, and probably know a bit of SQL.
• You can “rewire” your brain to think like a real business owner would and are genuinely interested in understanding their behaviour and motivations.
• Impeccable follow-through. You say what you’ll do, and do what you say. You hold your team to this standard. You don’t let details slip.
• You listen well. You build consensus by default, but can drive hard decisions when needed. You push the pace. You take blame and pass on praise. People love working with you.
• You thrive in a high pressure, high ambiguity environment.

Moladin is seeking a talented and experienced Senior IT Auditor to join their team. As a rapidly growing company, Moladin is committed to using technology to simplify the transaction process and provide a better customer experience. The Senior IT Auditor will be instrumental in helping Moladin achieve this goal by performing audits of the company's IT systems and processes to ensure compliance with regulatory standards and identify areas for improvement. In this role, the Senior IT Auditor will work closely with the IT team, as well as other departments throughout the company, to assess risk, evaluate controls, and make recommendations to enhance system security and efficiency.

Responsibilities

• Perform the required IT audits of the organization as an individual or working in a team, following both established department standards and the Standards for the Professional Practice of Internal Audit established by the IIA.
• Perform IT general and application controls review leveraging on strong technical knowledge of various technology applications, operating systems, databases, network and infrastructure to evaluate controls design and operating effectiveness.
• Identify potential IT risks and related issues by applying knowledge of Information Technology industry trends and present IT environment.
• Collaborate with other departments throughout the company to assess and mitigate risks related to IT systems and processes.
• Produce reports and audit work papers, ensuring effective documentation of results of reviews on assigned activities that have been made, as well as the recommended action that management should take.
• Manage multiple projects simultaneously, prioritizing tasks to meet deadlines and ensure timely completion of audit engagements.

• Bachelor's or Master's degree in Information Technology, Computer Engineering, Computer Science, Information System Audit, Management Information Systems or a related field.
• Minimum 2-3 years of experience as IT auditor in internal audit or external audit in public accounting firm, or as Software Engineer or Product Manager.
• Must be able to read and understand logic in line of codes and extract data from database using query (Google BigQuery).
• Relevant IT audit and preferably business expertise and technical knowledge in one or more of the following areas: IT general Controls, Application controls, IT Networks, IT infrastructure, databases, middleware, microservices, interface connection, cyber security, IT development processes, cloud computing.
• Have experience and/or knowledge of IT General Controls (ITGCs), IT GRC, IT Risk, information processing controls and IT related controls.
• Have basic knowledge of Windows operating system, database management , Odoo ERP, electronic signature and document management tools such as PandaDoc, DocuSign, VIDA.
• Have experience and basic knowledge in performing data analytics using data analytics tools, such as: Metabase, Tableau, AirFlow, Google Studio.
• Strong analytical, critical thinking, and problem-solving skills.
• Excellent communication and collaboration skills, with the ability to communicate technical information to non-technical stakeholders effectively.
• Able to write a comprehensive audit report in both English and Bahasa Indonesia.

Hybrid working (working from home and working from office).

• Collaborate with the business and product team to provide answers to tactical questions, primarily using our experiments platform. Your insights will have an impact on the development of product features.
• Create and develop key metrics, reports, and dashboards that go beyond just monitoring. Your work will generate actionable insights that decision-makers can leverage to drive the business forward.
• Work closely with the product team to ensure that features are delivered flawlessly, complete with data tracking and monitoring dashboards.
• Enable our key stakeholders to improve their understanding and analytical power.
• Collaborate with data warehouse and data engineers to design schema, conduct data validation and quality assurance, and establish data management best practices.
• Evaluate operations for inefficiencies and identify areas where you can create, automate, and develop tools.

• A Bachelor's degree in Computer Science, Mathematics, Statistics, Engineering, Physics, or a related field.
• Preferably 1-3 years of experience in analytics, including data gathering, analysis, and visualization, preferably in a tech startup.
• Experience working with large, complex datasets that may not always be well-structured.
• Strong proficiency in SQL, BI tools, and event tracking tools. Experience with a programming language such as Python or R is preferred.
• Comfort working with open-ended questions and potentially ambiguous problem statements.
• Experience collaborating with individuals from other domains to deliver impactful results.
• Fluent in English.

We are looking for a talented and experienced Lead Software Development Engineer in Test to join our team at Moladin Financial Services. As a Software Development Engineer in Test, you will ensure the highest quality possible of our software delivery by implementing and maintaining test automation scripts. Working alongside product managers and developers, you will also enhance our quality engineering process by identifying gaps and implementing solutions to address them. If you are passionate about software quality, have a deep understanding of test automation best practices, and thrive in a collaborative environment, we want to hear from you!

Responsibilities

• Collaborate with TechLead to support the achievement of quality engineering OKR.
• Provide hands-on support to SDET members in squads to resolve any blockers.
• Regularly monitor test progress, test coverage, and related quality metrics to develop a plan for improving competencies of team members.
• Ensure the successful implementation of company testing tools within squads.
• Participate in discussions to determine changes in the company's quality process.
• Demonstrate problem-solving skills and the ability to be a technical resource while also being involved in managerial activities.
• Align and prioritize between product delivery and quality engineering OKR.

• Preferred experience in financial services, Payment, Loyalty services and Industrial with OpenAPI features.
• More than 2 years of experience in software testing, with at least 1 year in software test automation.
• Have a minimum of 1 year of experience leading a team in a related field.
• Able to fluently use SQL queries.
• Demonstrate ability to do separation of API Tests and UI Tests.
• Experience in web and mobile application testing using test automation frameworks such as Cypress, WebdriverIO, Playwright or any Javascript Test Automation Tools.
• Familiar with test management tools such as Allure TestOps, JIRA, or TestRail.
• Exposure to the Agile development process, CI/CD tools such as Jenkins, and cloud infrastructure on Amazon Web Services or Google Cloud Platform.
• Knowledge of software performance and security testing is a plus.
• Knowledge of basic Kubernetes, docker, Firebase, and NoSQL is a plus.

• Manage the day-to-day finance operations.
• Conduct daily reconciliation of incoming and outgoing payments for Used Car Financing and Dana Tunai.
• Promptly and proactively inform the relevant team of any findings.
• Create reconciliation templates customized to suit the needs of the Accounting team.
• Ensure the financial records are accurate and complete.
• Collaborate with internal teams to resolve any financial issues.
• Provide comprehensive support for the closing process and handle any ad hoc requests.

• Bachelor's degree in Economics or Accounting.
• At least 1 year of experience in a Finance Operation or Reconciliation role.
• Proficiency in Microsoft Excel and Google Spreadsheet formulas, such as VLOOKUP, Pivot, and SUMIF.
• Meticulous attention to detail.
• Strong analytical and problem-solving abilities.
• Excellent organizational and time management skills.
• Effective communication and interpersonal skills.

• Conduct customer visits and surveys to gather the necessary information and documentation for assessing customer eligibility.
• Thoroughly evaluate the condition of collateral (property/land/building) and provide recommendations on the value of the collateral in the system.
• Ability to compare and collaborate with KJPP on property valuation, as well as verify the collateral value by conducting at least three (3) valid data comparisons in the surrounding area.
• Demonstrate commitment to a target number of visits and comply with SLA processing time and SOP implementation.
• Perform the know-your-customer (KYC) process, validate documents, verify collateral, and identify potential fraud.
• Have a keen understanding of property value and ownership (ownership title) and conduct on-site verification with customers.

• Minimum Bachelor's or Master's Degree from a reputable university.
• Minimum of 3 years of industry experience in the evaluation of SME, Micro SME, or Commercial Loans.
• Proficient understanding of property valuations across different areas, including the ability to identify factors that may affect the value of collateral.
• Thorough knowledge of the credit process and underwriting, covering loan submission, documentation, appraisal policy, collateral approval analysis, collateral security title, and legal document review.
• Demonstrates exceptional attention to detail and a high level of interest in analyzing customer data.
• Highly accountable with a strong sense of integrity, commitment, and discipline.

• Responsible for approving all SME loan applications, demonstrating sound credit and business judgment, and adept at identifying high-risk, early warning signs, and potential fraud conditions in customer profiles.

• Experienced in handling SME loans secured with property collateral, ensuring compliance with established policies and standard operating procedures (SOP).
• Achieve daily targets for reviewing incoming loan applications and adhere to committed Service Level Agreements (SLA).
• Possess knowledge of industry practices, financial statement analysis, and a fundamental understanding of legal aspects related to collateral security and company documentation.
• Able to read and understand customer payment or Non-Performing Loan (NPL) performance for learning of future approval.
• Develop and propose mitigation strategies for financing customers to minimize lending risks, and effectively communicate solutions to sales, marketing, and business teams.

• Minimum Bachelor's or Master's degree from a reputable university.

• Having a minimum of 3 years of experience as a Credit Analyst in SME/Micro SME/Commercial Loans.
• Having authority limit approval with a minimum of 500 million and the ability to assess the creditworthiness of both individuals and companies.
• Proficient in comprehending the entire credit process and underwriting, including but not limited to loan submission, documentation, policy adherence, approval analysis, and collateral security evaluation.
• Demonstrate keen attention to detail and a strong interest in analyzing customer data. Exhibit qualities of high responsibility, integrity, commitment, and discipline.

PT Moladin Finance Indonesia (formerly PT Pro Car International Finance) is part of the Moladin Group. MOFI is a finance company that provides financial services to anyone, anywhere, and anytime. MOFI products are fully digital with innovative, flexible and effective processes. Since changing to Moladin Finance Indonesia in April 2023, MOFI has focused on meeting consumer needs, both productive needs through investment and working capital financing facilities, as well as other needs through multipurpose financing facilities. MOFI is licensed and supervised by OJK.

Moladin is searching for a Legal & Compliance Officer! You will be responsible for ensuring that Moladin's operations and transactions are in compliance with all relevant regulations and legislation. You will play a critical role in ensuring the company is operating within the legal framework while maintaining the highest standards of ethics.

• Designing and implementing operation at MOFI in order to support the company to be the prominent digital multi finance in Indonesia
• Overseeing day to day operations in lending business to ensure everything has been as per policies and procedures
• Creating and updating policies and procedures (SOP) for overall operation activity
• Lead Manage large team (>50 people) across Indonesia and able to give direction and decision for daily operations / business decision including to escalate for any issues to management
• Able to designing operation dashboard that can track productivity, SLA and cost management
• Creating zero fraud environment in company and able to identify for any potential operational backlogs

• Min Bachelor / Master Degree in reputable University
• Experience as Operation Head in Financial Institutions, that lead various operation businesses with total experience of 7-10 years.
• Advanced in project management and resolution handling
• Experience in managing big team (>30 people) with proactive mindset and problem solving
• Able to act as a trainer for all the team members
• Good leadership skills and ability to work well in a cross-cultural team and various other cross-functional stakeholders to achieve company goals.
• Adaptable and able to embrace change and thrive in an extremely fast-paced environment
• Resourceful, able to resolve issues in a timely and efficient manner
• Strong communication skills, both oral and written, with the ability to effectively communicate advice backed up by sound judgment (proficiency in English is a must)

We are looking for a talented and experienced Senior Software Development Engineer in Test to join our team at Moladin Financial Services. As a Senior Software Development Engineer in Test, you will ensure the highest quality possible of our software delivery by implementing and maintaining test automation scripts. Working alongside product managers and developers, you will also enhance our quality engineering process by identifying gaps and implementing solutions to address them. If you are passionate about software quality, have a deep understanding of test automation best practices, and thrive in a collaborative environment, we want to hear from you!

Responsibilities

• Design and implement comprehensive test plans and test cases for backend and frontend development.
• Improve and maintain automation test coverage to reduce manual effort during day-to-day quality engineering.
• Identify edge cases and ensure software robustness before production deployment.
• Work closely with product managers, designers, developers, and fellow quality engineers to design test suites.
• Be involved in the entirety of the software development journey right from the inception of new features.
• Create exhaustive documentation of test reports to provide complete visibility to the stakeholders.
• Mentor the team by having tech discussions and knowledge-sharing sessions.
• Actively contribute to the hiring and onboarding process.
• Own the quality of Moladin deliverables in the form of services, web applications, and mobile applications.

• More than 4 years of experience in software testing, with at least 2 years in software test automation.
• Expertise in web and mobile application testing using test automation frameworks such as Cypress or WebdriverIO.
• Familiar with test management tools such as Allure TestOps, JIRA, or TestRail.
• Basic knowledge of Javascript and SQL.
• Exposure to the Agile development process, CI/CD tools such as Jenkins, and cloud infrastructure on Amazon Web Services or Google Cloud Platform.
• Knowledge of software performance and security testing is a plus.
• Prior experience in the financial services industry is preferred.

PT Moladin Finance Indonesia (formerly PT Pro Car International Finance) is part of the Moladin Group. MOFI is a finance company that provides financial services to anyone, anywhere, and anytime. MOFI products are fully digital with innovative, flexible and effective processes. Since changing to Moladin Finance Indonesia in April 2023, MOFI has focused on meeting consumer needs, both productive needs through investment and working capital financing facilities, as well as other needs through multipurpose financing facilities. MOFI is licensed and supervised by OJK.

Moladin is searching for a Legal & Compliance Officer! You will be responsible for ensuring that Moladin's operations and transactions are in compliance with all relevant regulations and legislation. You will play a critical role in ensuring the company is operating within the legal framework while maintaining the highest standards of ethics.

• Develop, maintain, and implement legal credit operational programs, including policies and guidelines, documentation, training logs, and related policies/procedures.
• Prepare legal opinion and assistance on financing contracts based on the applicable law and regulations, including drafting, reviewing, advising and obtaining the perfection of the financing and security legal documentations.
• Manage, monitor and administer the public notary to ensure the effective and efficient processing of the financing contracts, collateral checking and pledging documentations including to ensure “zero mistakes documentation” to secure the interest of the creditor when exercising its rights to a Non Performing Financing debtor. 
• Managing internal operations process with credit analyst, appraisal and custodian team to ensure an effective service level agreement based on the company standard operating procedures.
• Provide regular reporting to the management and submit accurate and timely reports to regulators (as applied) to ensure the avoidance of sanctions/fines from regulators.
• Monitor changes in laws, regulations, and industry best practices to ensure the company remains up-to-date and compliant.
• Liaise with external regulators such as the Land National Office, Ministry of Law and Humans Rights, Courts, and other related government agencies.

• Bachelor’s Degree/University degree or equivalent experience.
• Minimum of 5-10 years of relevant experience in the Legal Credit and/or Operation function of financial institutions, preferably Multifinance Company and/or Banks.
• Solid understanding of applicable laws, regulations, and industry standards, with a focus on legal credit, compliance, and corporate governance.
• Exceptional attention to detail, highly responsible, with strong integrity, commitment and discipline.
• Passionate about delivering high-quality work and exceeding expectations in a fast-paced environment.
• Strong communication skills, both oral and written, with the ability to effectively communicate advice backed up by sound judgment.