Total 3 lead buyer job vacancies in bandung city west java

We are looking for a skilled and passionate Lead Backend Engineer responsible for our serverside application logic and its integration with the front-end platforms. In this position, you will use your programming skills and tools to analyze and translate business/feature requirements into well-structured, efficient, scalable software. You will also provide leadership and mentoring to the team on technical aspects. You will also be actively involved in researching new technologies/tools that can be incorporated to improve the current system.

• Develop secure, well-architected, scalable and high- performant backend applications in Golang and Node.js (JavaScript & TypeScript)
• Implement best practices for maintainable quality code
• Optimize existing codes to improve performance and efficiency
• Provide mentorship, code reviews, and technical direction to your team members
• Develop partnerships with engineers and product managers to better understand and implement product requirements
• Collaborate with Product, QA, and UI team to deliver features and improvements
• Build & maintain a strong team of developers that consistently deliver solid results
• Monitor and adapt the team's pace to instill a sense of urgency for progress

• 5+ years of backend engineering experience, including 1+ years in a leadership role.
• 4+ years with Golang and Node.js (JavaScript & TypeScript).
• Knowledge of coding standards and best practices for production environments.
• Experience with message queuing and streaming platforms (Amazon SQS, SNS, Kinesis, Apache Kafka) for scalable, event-driven architectures.
• Strong grasp of microservices.
• Familiarity with Golang and Node.js tools and frameworks.
• Proficient with version control systems, particularly Git and GitLab.
• Experience deploying to cloud services (AWS/GCP) and using integration pipelines.
• Comfortable in a Linux environment.
• Self-motivated, with a passion for keeping up with backend development trends.
• Strong communication and teamwork skills.
• Good self-management skills, particularly in timeline adherence.

• Supportive teammates
• Health insurance benefits
• Self development activities that support careers
• Broaden your knowledge in financial investment

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.

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.