Vice President of Engineering
About the job
- Extensive engineering experience and experience managing complex technology projects and building products and features from scratch.
- Experience developing data-intensive applications and SaaS.
- Experience with open API development and enterprise integration architecture.
- Experience leading a squad of 5–10 people and managing teams.
- Solid software engineer hiring experience.
- Hands-on Google Cloud Platform experience, including Cloud SQL for PostgreSQL, Cloud Run, and Pub/Sub.
- Experience building scalable architecture, managing incidents, monitoring distributed systems, and using Agile practices such as Scrum or Kanban.
- Willingness to perform coding work when required.
- Experience with continuous integration and continuous delivery, automated testing, and test-driven development.
- Fintech, financial institution, or banking experience.
- Experience refactoring large systems and using event-driven architecture.
- Oversee front-end and back-end development teams and their projects.
- Monitor the reliability and performance of internal systems and suggest improvements.
- Ensure compliance with relevant regulations.
- Manage software development projects by setting requirements, goals, and timelines.
- Design strategies for future development projects based on company objectives and resources.
- Hire engineers and coordinate their training.
- Implement innovative technologies.
- Coordinate with stakeholders on new integrations and tools.
- Experience with machine learning.
- Experience with Kafka, Kubernetes, Grafana, and Prometheus.
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
6 month growth
0%1 year growth
0%2 year growth
2%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.
The loan aims to enhance financial inclusion for women-led micro-enterprises in Indonesia, especially in rural regions.
The acquisition was done through Amartha’s holding company, PT Amartha Nusantara Raya.
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 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 […]