Job Description

About Amartha

At Amartha, we empower micro-businesses across Indonesia, enabling growth and equal prosperity. We've supported over 3.5+ million enterpreneurs–mostly women–by disbursing 2 billion USD in funding. As we step into 2026, Amartha is evolving into a technology-driven financial ecosystem, expanding our reach in lending, funding, and payments. Through innovation and digital solutions, we aim to enhance accessibility, streamline processes, and create a seamless user experience.

Roles and Responsibilities:

• Design, build, and own critical backend services that power underwriting, credit scoring, and loan decisioning workflows.
• Develop high-performance Go services for score orchestration, policy evaluation, decision APIs, and related lending platform capabilities.
• Integrate credit models, rule engines, third-party data providers, and internal risk systems into reliable production flows.
• Ensure decision pipelines are accurate, explainable, auditable, and resilient under high throughput.
• Define and evolve service contracts, data models, and event schemas used across underwriting and scoring systems.
• Improve reliability, latency, and operability of core backend platforms through monitoring, alerting, and performance optimization.
• Partner with ML, risk, product, and data teams to productionize scoring and underwriting capabilities end to end.
• Lead technical design discussions, review architecture trade-offs, and raise the engineering bar through mentoring and code review.
• Handle production incidents, root-cause analysis, and continuous improvement of system resilience.
• Uphold engineering and compliance standards for secure, governed, and business-critical lending systems.

Requirements

• Bachelor’s degree in Computer Science, Software Engineering, or a related field, or equivalent practical experience.
• 5+ years of backend engineering experience, with strong production experience in Go (Golang).
• Deep understanding of designing and building scalable, reliable microservices and APIs (REST and/or gRPC).
• Experience with distributed systems concepts: concurrency, messaging, idempotency, retries, consistency, and fault tolerance.
• Strong proficiency with SQL databases, data modeling, indexing, query performance, and transactional integrity.
• Familiarity with Kafka or similar event-driven architectures, caching (e.g. Redis), and containerized deployments.
• Experience building or integrating underwriting, credit scoring, loan decisioning, or risk-related systems in fintech or digital lending.
• Understanding of credit workflows such as application intake, feature/data aggregation, score orchestration, policy rules, decisioning, and audit trails.
• Ability to work with ML-serving systems, model APIs, feature stores, or score pipelines in production.
• Experience with cloud platforms, CI/CD, observability, and production incident handling.
• Strong system design, code quality, and mentorship skills.

At Amartha, we are dedicated to creating a workplace that celebrates diversity, ensures equity, and fosters inclusion. We believe that diverse perspectives—shaped by factors such as gender, age, race, ethnicity, education, culture, and life experiences—drive innovation and growth.

We actively welcome individuals from all backgrounds to join us in building an environment where everyone feels respected, valued, and empowered. Our commitment is to provide equal opportunities and foster a sense of belonging that enables our employees to thrive and make meaningful contributions.