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Amartha

P2P lending for women-led MSMEs

Head of Information Security

Full-TimeUpdated on 10/17/2026
No salary listed
Expert
South Jakarta, South Jakarta City, Jakarta, Indonesia
In Person
Cybersecurity

About the job

Requirements
  • At least 10 years of experience in information security, including at least 5 years leading a security function in a regulated financial institution such as a bank, multifinance company, peer-to-peer lending platform, payment provider, or e-money issuer.
  • Experience leading incident response and working directly with financial regulators.
  • A track record of measurably improving the maturity of a security program.
  • Experience managing managers and leading a team of 15 or more across governance, risk, and compliance and security engineering.
  • Working knowledge of Indonesian information technology risk and data protection regulations in financial services.
  • Experience as the accountable owner of ISO 27001 certification and surveillance audits.
  • Hands-on depth in cloud and Kubernetes security, including role-based access control, workload identity, admission control, runtime detection, and secret management.
  • Experience with privileged access management, just-in-time access, and phishing-resistant multifactor authentication.
  • Experience with security information and event management and security operations center operating models, both in-house and managed.
  • Ability to explain security risk in business terms to executives and the Board.
  • Fluent written and spoken Bahasa Indonesia and English, including formal correspondence with regulators.
Responsibilities
  • Set and run the group information security strategy, roadmap, and budget.
  • Lead and grow the security team across governance, risk, and compliance, data privacy, and security engineering, including hiring and developing team leads.
  • Own security policies, standards, and the information security management system across all entities.
  • Act as the main contact for regulators, auditors, and certification bodies on information security matters.
  • Build identity, privileged access, and secret management controls for cloud and Kubernetes production environments.
  • Lead detection and incident response, including the security operations center model, incident playbooks, and regulatory reporting.
  • Design security controls for payment flows and partner integrations with engineering and finance.
  • Run the application security program, including security design review, penetration testing, vulnerability management, and bug bounty.
  • Manage third-party and vendor security risk.
  • Support data protection compliance under UU PDP with Legal.
  • Build security awareness across the company, from field staff to leadership.
  • Report security risk and program progress to the Chief Risk Officer, executive team, and Board risk committee.
Desired Qualifications
  • CISSP, CISM, or CISA certification; CCSP or another cloud security certification.
  • Fintech competency certificate from an OJK-registered professional certification body or AFPI.
  • Experience with multi-cloud environments and cloud migrations.
  • Experience with fraud prevention and transaction monitoring controls.
  • Experience securing AI agents and large language model-based tools.

About the company

Amartha is a fintech platform in Indonesia that connects micro-entrepreneurs with investors through a peer-to-peer lending marketplace to fund productive loans for MSMEs, with a focus on women-led businesses. Borrowers access working capital without collateral, supported by a proprietary ML-based credit scoring system that uses alternative data and a field agent network to enable group lending. Lenders invest through the platform, monitor impact, and earn returns via transaction fees and a share of interest, with the model blending digital technology and in-person support. Its goal is to increase financial inclusion for the unbanked rural population, reduce reliance on predatory moneylenders, and foster sustainable rural growth through accessible funding and financial literacy.

Company Size

1,001-5,000

Company Stage

Debt Financing

Total Funding

$276M

Headquarters

Jakarta, Indonesia

Founded

2010

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Simplify's Take

What believers are saying

  • Amartha disbursed Rp13.2 trillion in 2025, growing more than 20% year over year.
  • Swedfund, Finnfund, and BIO committed $55 million in June 2025, inside a $199 million IFC facility.
  • AmarthaFin passed 1 million users in 2025, while AmarthaLink topped 50,000 users.

What critics are saying

  • OJK's July 2025 rules cap productive funding at Rp5 billion unless NPL stays below 5%.
  • Amartha said 2025 NPF was around 4%; any rise triggers tighter growth constraints.
  • Seventy percent of funding came from institutional lenders in 2025, creating refinancing dependence.

What makes Amartha unique

  • Amartha combines field agents, group lending, and AmarthaFin across 50,000 Indonesian villages.
  • Its borrower base skews women-led MSMEs outside Java, where 60% of portfolio sits.
  • Bank Indonesia licensed Amartha Financial Group in August 2025 for payments, lending, and multifinance.

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Benefits

  • Performance Bonus
  • Flexible Work Hours

Growth & Insights and Company News

Headcount

6 month growth

0%

1 year growth

0%

2 year growth

2%
Katadata
Jun 17th, 2025
Amartha Secures $55M from European Funds

Amartha, a fintech startup, secured $55 million (Rp 895.6 billion) from three European financial institutions: Swedfund ($25 million), Finnfund, and BIO ($15 million each). The funds will expand micro-business capital access, especially for women in rural Indonesia. This is part of a $199 million syndication led by IFC. CEO Andi Taufan Garuda Putra highlighted the importance of prudent governance and digital financial ecosystem development to attract global investors.

Tech in Asia
May 14th, 2025
ID fintech lender Amartha secures $55m for women-led MSMEs

The loan aims to enhance financial inclusion for women-led micro-enterprises in Indonesia, especially in rural regions.

DealStreetAsia
Nov 27th, 2024
Indonesian P2P lender Amartha acquires Bosowa Group’s leasing company

The acquisition was done through Amartha’s holding company, PT Amartha Nusantara Raya.

TechNode Global
Jul 3rd, 2024
Indonesia's Elevarm secures $1M investment from Amartha, Rabobank, and Scala - TNGlobal

Indonesia-based integrated farming productivity platform Elevarm has secured $1 million investment from Dutch financial services firm Rabobank and Japanese information technology firm Scala and Indonesian fintech firm Amartha.

BDA Partners
Jun 19th, 2024
BDA advises Amartha on capital raise from a consortium led by Accion - BDA Partners

BDA Partners is pleased to announce that its client, Amartha, an Indonesian microfinance technology company, has successfully raised growth capital in a funding round led by Accion Digital Transformation Fund, with participation from Maj Invest and Women’s World Banking. The investment aims to help deliver Amartha’s ambition of building a platform providing a full suite […]