Total 106 job vacancies by Amartha

The Risk Management role at Amartha encompasses the development and implementation of risk strategies to mitigate potential risks across the organization. This position will work closely with various departments to ensure that all risk-related issues are addressed and resolved efficiently.

Key Responsibilities:

• Identify, analyze, and evaluate risks that could affect the organization's ability to operate.
• Develop risk management policies and procedures to minimize risks.
• Conduct regular risk assessments and audits to monitor compliance with risk controls.
• Prepare risk assessment reports and present findings to senior management.
• Collaborate with other departments to promote risk awareness and encourage risk management practices.
• Provide training and support to staff on risk management issues and protocols.

• Minimum 3 years of experience in risk management, preferably within the financial services or tech industry.
• Strong knowledge of risk management practices and regulatory frameworks.
• Excellent analytical skills and attention to detail.
• Effective communication and interpersonal skills to engage with stakeholders at all levels.
• Proficient in using data analysis tools and risk management software.
• Bachelor’s degree in finance, business, or a related field.

About the team

Agent Network is currently expanding, we are targeting to grow more than 20x in 2025. In order to win the market we need to expand our supplier base upon which we can develop a competitive platform. The goals for the Partnership team are competitive, completeness and availability.

Onboarding new suppliers

• Conduct market research, analyze market trends, identify key potential products and potential suppliers
• Build establish productive relationship with suppliers
• Lead price negotiation process (liaise with Procurement Team)
• Lead contracting process (liaise with Legal Team)

Managing supplier base

• Define and monitor KPI and performance metrics for each suppliers
• Develop monitoring tools
• Build effective communication channel with all the supplier for issue resolutions
• Conduct regular reporting to management

Managing supply operations

• Monitor and ensure product availability, success transaction, on time performance in the platform
• Vendor deposit management

• A bachelor degree from reputable university
• A strong background and a minimum 4 years experience in managing partnership of telco products and/or partnership operations in similar platform
• Good communication and negotiation skill is a must
• Strong network particularly in telco and PPOB industry
• Able to effectively working with multiple stakeholders
• Capable of leading the team
• Strong data analytical skills is mandatory and data query capabilities is massive plus points
• Have a deep understanding of customer experience, identify and pursue business opportunities

• Manage SQL Server databases through multiple product lifecycle environments, from development to mission-critical production systems.
• Configure and maintain database servers and processes, including monitoring of system health and performance, to ensure high levels of performance, availability, and security.
• Apply data modeling techniques to ensure development and implementation support efforts meet integration and performance expectations
• Independently analyze, solve, and correct issues in real time, providing problem resolution end-to-end.
• Refine and automate regular processes, track issues, and document changes
• Assist developers with complex query tuning and schema refinement.
• Provide 24x7 support for critical production systems.
• Perform scheduled maintenance and support release deployment activities after hours.
• Share domain and technical expertise, providing technical mentorship and cross-training to other peers and team members.

• Design, develop, and maintain robust applications using .NET technologies (C#, ASP.NET, .NET Core).
• Collaborate with front-end developers to integrate user-facing elements with server-side logic.
• Write clean, scalable, and efficient code following best practices and design patterns.
• Troubleshoot, debug, and optimize existing applications for performance and reliability.
• Participate in code reviews to ensure code quality and share knowledge with the team.
• Work with databases (SQL Server, Oracle, etc.) to manage data storage and retrieval.
• Engage in the full software development lifecycle, from requirements gathering to deployment and maintenance.
• Stay updated with the latest industry trends and technologies to enhance development processes.

This is a contract IT Business Analyst role based in Jakarta, Indonesia. The IT Business Analyst will be responsible for analyzing business requirements, processes, and information technology systems. Day-to-day tasks include identifying areas for improvement, creating business analysis documentation, and collaborating with stakeholders to ensure effective project outcomes.

Job Description:

We are looking for an experienced and visionary Lead Product Manager to oversee the development and growth of our credit product portfolio. In this role, you will lead the strategy, development, and execution of credit-related products, ensuring they meet market demands and regulatory standards. You will collaborate with cross-functional teams across product, engineering, data, risk, and marketing to drive the product vision, create innovative solutions, and enhance customer experiences in the credit space. Your expertise in credit products, combined with your leadership abilities, will be crucial in delivering products that meet customer needs and drive business growth.

Key Responsibilities:

·                Product Strategy & Vision: Define and lead the product strategy and roadmap for credit products, including credit cards, loans, lines of credit, and other financial services. Ensure alignment with business goals and customer needs.

·                Market Research & Trends: Stay on top of industry trends, customer behaviors, and competitor offerings in the credit space. Conduct market research, gather customer feedback, and analyze data to identify new opportunities for growth.

·                Cross-Functional Leadership: Collaborate with engineering, risk, finance, compliance, marketing, and operations teams to drive product development and delivery. Lead product planning sessions and coordinate across teams to ensure timely product launches.

·                Risk & Compliance Management: Work closely with risk, legal, and compliance teams to ensure that all credit products adhere to regulatory requirements, including credit risk policies, underwriting guidelines, and financial regulations.

·                Customer Experience & Journey: Lead efforts to improve the overall customer experience in the credit product lifecycle, from onboarding to repayment. Partner with UX/UI teams to create intuitive, user-friendly experiences for customers.

·                Performance Monitoring: Analyze product performance and customer feedback using key performance indicators (KPIs), and take actionable steps to optimize product features, pricing, and positioning.

·                Mentoring & Leadership: Lead and mentor a team of product managers, providing guidance and expertise on best practices in product management and credit products.

·                Innovation & Scaling: Identify and implement opportunities for innovation and product differentiation in the credit space. Scale existing products and develop new ones that cater to evolving market needs.

·                Stakeholder Management: Communicate product vision, priorities, and progress to senior leadership, and collaborate with external partners, vendors, and financial institutions as necessary.

·                Experience: 7+ years of experience in product management, with at least 3 years focused on credit products (loans, buy now pay later, etc.) or related financial services.

·                Leadership Experience: Proven track record of leading and mentoring product teams, with a demonstrated ability to manage and deliver complex projects across multiple stakeholders.

·                Credit Expertise: Deep understanding of the credit lifecycle, including underwriting, portfolio management, credit risk, and regulatory requirements.

·                Analytical Skills: Strong data-driven decision-making skills. Ability to interpret financial metrics, user analytics, and market data to inform product decisions.

·                Technical Understanding: Familiarity with modern software development practices (Agile, Scrum) and experience working closely with engineering teams on complex financial technology solutions.

·                Collaboration: Strong interpersonal skills with a history of successfully working with cross-functional teams, senior executives, and external partners.

·                Customer-Centric Mindset: Passion for creating customer-first products and delivering seamless, user-friendly credit experiences.

·                Communication: Excellent verbal and written communication skills, with the ability to clearly articulate product vision and influence key stakeholders.

·                Education: Bachelor's degree in Engineering, Computer Science, Finance, Design, or other fields from top local or overseas universities with strong academic results, MBA is a plus.

About the role

As our next Quality Assurance, you will get a chance to help our customer, by recommending improvements, and develop automation to scale our testing process. You will actively collaborate with Product Managers, Engineering, and DevOps to help Amartha to deliver innovative and delightful user experiences.

Responsibilities

• Improving, enhancing, automating: acting as a catalyst for change and improvement in performance and quality
• Create test automation script for API and UI automation to improve the regression test efficiency
• Create load-test script to assess the scalability of our system
• Create security scan test to detect vulnerability of our system
• Analyze bugs and errors found during tests
• Recommend improvements in software to enhance user experience
• Motivate the development process for efficiency and performance
• Works together with the software developer to enhance and improve program

• Bachelor’s degree (Preferably Computer Science / Information Technology)
• Has a minimum of 3 years experience in the related field
• Experience with testing and testing automation tools: Robot Framework, Katalon Studio, Locust, Artillery, Browserstack, ZAP
• Experience with API testing automation, UI Automation, Loadtest, and Security Scan
• Knowledge and understanding of modern development techniques, branching strategies (gitflow, feature branches / flags, trunk-based development) and CI/CD
• Understanding the need for testing automation at all levels: from database to UI
• Possesses good problem solving skills (able to identify problems and find simple solutions). Able to think out-of-the-box
• Fun to work with and a team player
• Eager to learn (self-learning and from others), share and grow
• Self motivated and able to inspire and motivate people

About the Role 

The Senior IT GRC and Data Privacy Analyst plays a crucial role in Amartha. You will be the warrior who will spearhead various IT GRC and Data Privacy programs to protect Amartha from internal and external threats, including monitoring and managing compliance with ISO 27001, POJK, PSrE, PDP, and other applicable regulations.

About the team

The Information Security team in Amartha is a group of dynamic, highly-analytical  individuals who are highly mindful in driving security and privacy by design within the various aspects of product lifecycle and engineering processes. We are the team who are highly passionate to be the security enabler of Amartha’s systems

Job Desc/What will you do

GRC Framework Development and Maintenance:

• Develop, implement, and maintain a comprehensive GRC framework that aligns with industry best practices and regulatory requirements.
• Conduct regular risk assessments to identify potential threats and vulnerabilities.
• Develop and implement risk mitigation strategies and action plans.
• Monitor and report on compliance with internal policies and external regulations.

Data Privacy Compliance:

• Ensure compliance with applicable data privacy regulations and data protection laws.
• Conduct data privacy impact assessments (DPIAs) for new projects or initiatives.
• Develop and implement data privacy policies and procedures.
• Manage data breaches and incidents, including notification processes and remediation activities.

Vendor Management:

• Assess the security and privacy practices of third-party vendors and suppliers.
• Negotiate and manage vendor contracts to ensure compliance with security and privacy requirements.

Regulatory Compliance:

• Stay up-to-date with evolving regulatory requirements and industry best practices.
• Provide guidance and support to the organization in meeting compliance obligations.

Identity and Access Management (IAM):

• Develop and maintain IAM policies, standards, and procedures.
• Implement and manage IAM systems and tools (e.g., identity provisioning, access control, single sign-on).
• Ensure the effective administration of user accounts and privileges.
• Conduct regular IAM audits and reviews to identify and address security gaps.
• Manage access certifications and segregation of duties controls.

Requirements

• 5+ years of related job experience
• Strong analytical and interpersonal skills
• Excellent communication both in written and spoken (English)
• Ability to express information clearly at different organizational levels
• Strong understanding of industry standards such as ISO 27001, NIST Cybersecurity Framework, GDPR, UU PDP
• Experience in the financial services industry (esp. Microfinance, Payments, etc)
• Having relevant certification are preferable (e.g.  CRISC, CIPP, etc)
• Experience with IAM technologies and frameworks (e.
• g., Active Directory, LDAP, OAuth, SAML)

• Manage enterprise wide risk management programs for multiple products (e.g Lending, digital payment/remittance, digital product)

• Identify and manage risks to the organization, it’s employees, stakeholders, assets and operations.
• Monitoring and maintain Key Risk Indicators parameters on monthly and weekly basis.
• Prepare Risk Register report 1-2 times per year
• Work together with other risk units in reviewing new products or new features of products
• Engage and develop effective working relationship to support cooperative response to risk management matters and issues.
• Provide guidance and training to promote risk control awareness, ownership and accountability.

• Minimum 5 years of relevant working experience, preferably from start-up/tech company or product / business in lending industry or credit, e-wallet/payment, digital product)

• Good knowledge about risk management, having exposure handling in ERM Role in current or past role
• Handling process Risk Register, lead and/or coordinate RCSA (risk control self-assesment)
• Data tools (SQL, BigQuery, etc) capability is plus point
• Bachelor’s degree graduate
• Excellent communication skill and stakeholders management
• Strong analytical skills and problem solving

• Drive the product vision, strategy and delivery for their new product line. Creating your own roadmap and communicate the vision and goals to stakeholders and users.
• Be a leader to solve customer needs and build business context with various stakeholders across teams and functions
• Lead the strategic planning and prioritization of product capital spend against budget
• Stategize plan for growth and customer acquisition as well as retention
• Create and develop new products in the space for the company to keep up with the trend and solve user problems.
• Build world-class product management team by guiding and mentoring PMs across many levels and backgrounds.
• Strategize development and communication of company's brand value to customers and partners.

• A Bachelor's / Masters or an equivalent degree, preferably in engineering or management
• 6+ years of product management experience
• Strong understanding on the Fintech environment
• Strong candidates has experiences in working on either of the following products: Investment, BNPL, Lending, Wealth Management, Insurance.
• Successful track record in planning, developing and executing strategy for multiple projects while collaborating cross-functionally
• Analytical and data-driven, love digging into data and gather insights. Able to define and measure success on every product build
• Fluent in English, confident communicator and has strong entrepreneurial spirit. Curious and highly proactive behaviour is a must.
• Strong leadership, team-building and mentorship experience.
• Passion for customers, always bringing questions back to what will serve them best
• Ability to influence through persuasive verbal and written communication

• Conduct a thorough analysis of taxes to provide expert advice on tax planning and optimisation opportunities to ensure compliance with local regulations.
• Coordinate and manage tax audits, inquiries and notices from tax authorities.
• Maintain documentation and records related to tax filings, provisions and other tax-related activities.
• Collaborate with other departments and teams, such as finance, legal and operations, to ensure alignment and coordination on tax matters.
• Provide guidance and support to internal stakeholders on financial issues, including tax implications of business decisions and transactions.
• Stay updated with changes in tax laws and regulations in India and proactively identify potential risks or opportunities for the organisation.
• Foster a culture of tax compliance and awareness throughout the organisation, providing training and support as needed.

• A Bachelor’s degree in commerce, accounting, taxation or a related field.
• Professional qualification of Chartered Accountant (CA) or Certified Public Accountant (CPA).
• Minimum of 5 years of experience in tax management, preferably in a corporate or public accounting environment.
• Strong understanding of tax planning strategies and experience in managing indirect taxes, including Goods and Services Tax (GST).
• Exceptional communication and interpersonal skills to effectively collaborate with internal and external stakeholders.
• Excellent analytical and problem-solving skills with strong attention to detail.

Talent Acquisition Intern will work with Talent Acquisition to support administration and sourcing candidates through various channels. The ideal candidate thrives in a fast-paced, iterative environment and has a passion for people.

Responsibilities

• Work closely with Talent Acquisition to deeply understand hiring needs, develop creative sourcing and hiring strategies to build strong pipelines
• Assist the Talent Acquisition team in scheduling for interview session
• Shadow recruiting screens and hiring manager intake meetings to learn the structure of interview planning and interview etiquette
• Manage job posts in Applicant Tracking System and externally to various career sites
• Supporting administration for recruitment process, checking candidates background and references

• Fresh Graduate from Psychology or another relevant field
• Minimum has experience intern in Talent Acquisition field
• Familiarity with recruitment tools
• A strong interest in building a career in the field of Talent Acquisition
• Love to a new challenge, open minded, and good in resilience
• Attention to detail, excellent organizational skills, and proficient building relationships
• Excellence in collaboration and communication skill

As our Finance Intern, you will get a chance to handle the financial record, reconcile the data and maintain supporting documents

Responsibilities:

• Ensure all Finance records have been recorded correctly and in timely manner
• Prepare and create records of some transaction when necessary
• Reconciliation all account to produce Financial Statement
• Maintain all supporting documents, including to support audit process
• Involving to Migration project in internal team

• Preferably fresh graduate or student with less of regular class at campus
• Mandatory can working at Jakarta office and fully intern for 6 months
• Graduated from Accounting, Finance of related field
• Proficiency in Excel or Spreadsheet (SUM IF, PIVOT, VLOOKUP, HLOOKUP, and other)
• Familiar with Accounting Principles and Journaling
• Self-motivated and detail oriented
• Quick to collaborate and coordinate with team members

We are seeking a highly skilled and experienced Legal Counsel to join us as a key member to our legal team.

The ideal candidate will have a strong background in corporate law and transactional matters, with a focus on M&A, joint ventures, investments, fund-raising, and general corporate commercial issues. In addition, you will be responsible for managing external counsel, providing guidance on data privacy matters, and demonstrating exceptional stakeholder management skills. This is a newly created headcount.

Responsibilities

• Provide expert legal advice and guidance on various transactional matters, including M&A, joint ventures, investments, fund-raising, and other corporate transactions.
• Advise on general corporate commercial matters, including drafting and negotiating contracts, agreements, and other legal documents.
• Collaborate closely with internal stakeholders to assess and manage legal risks, ensuring compliance with applicable laws and regulations.
• Conduct due diligence and risk assessments for potential transactions, identifying legal issues and proposing strategic solutions.
• Manage relationships with external counsel, instructing and overseeing their work as necessary.
• Stay abreast of legal developments, industry trends, and regulatory changes that may impact the business, and provide proactive advice and recommendations to the General Counsel and other stakeholders.
• Demonstrate maturity, discretion, and professionalism in handling sensitive and confidential information.

• Should have at least a bachelor’s degree in law.
• Able to communicate in English (writing and verbal)
• Should have at least of 5 years in a reputable law firm and/or relevant in-house legal department, with a focus on corporate law and transactional matters.
• Strong experience in advising on M&A, joint ventures, investments, fundraising, and other transactional matters.
• Solid understanding of general corporate commercial issues and the ability to provide pragmatic legal solutions.
• Knowledge of data privacy laws and regulations, with experience advising on related matters.
• Excellent drafting, and communication skills.
• Demonstrated ability to manage external counsel effectively.
• Strong stakeholder management skills, with the ability to work collaboratively with cross-functional teams and build relationships at all levels of the organization.
• Exceptional analytical and problem-solving skills, with attention to detail.
• Ability to work independently, prioritize tasks, and manage multiple projects simultaneously.
• Demonstrated professionalism, integrity, and discretion in handling confidential information.

• Manage enterprise wide risk management programs.
• Identify and manage risks to the organization, it’s employees, stakeholders, assets and operations.
• Monitoring and maintain Key Risk Indicators parameters on monthly and weekly basis.
• Engage and develop effective working relationship to support cooperative response to risk management matters and issues.
• Provide guidance and training to promote risk control awareness, ownership and accountability.

• Minimum 2 years of relevant working experience, preferably from start-up/tech company or financial industry
• Good knowledge about risk management
• Intermediate proficiency in using data tools (SQL, BigQuery, etc)
• Bachelor’s degree graduate
• Excellent communication skill and stakeholders management
• Strong analytical skills and problem solving