Roles & Responsibilities
Strategic Leadership
Define and own BukuWarung's data strategy across payments, credit, fraud, and merchant growth
Embed analytics into GTM planning, channel performance (OTS, Digital, Partnerships), and executive decision-making
Be a credible partner to the management team & business heads - translating data into capital allocation and product prioritization decisions
Drive BukuWarung's roadmap toward a unified data infrastructure that consolidates all distribution channels and operations into a single internal system
Credit Underwriting & BukuModal
Build proprietary MSME credit scoring models leveraging BukuWarung's payments transaction data, device usage patterns, merchant behavioral signals, and external alternative data sources
Develop thin-file and no-file underwriting approaches suited to Indonesia's informal merchant economy
Partner with BukuModal's lending team to define risk appetite, portfolio monitoring, and early warning systems for credit deterioration
Build models that improve approval rates while managing NPL - demonstrating that financial inclusion and credit discipline are not in tension
Fraud, Risk & Trust
Design a near-real-time fraud detection engine across BukuWarung's payments channels: covering EDC/POS, QRIS soundboxes, and digital payment flows
Build risk models for merchant onboarding, transaction monitoring, and dispute resolution
Define intervention logic: when to flag, step up, block, or escalate - tuned to the risk tolerance and unit economics of each merchant segment
Partner with Operations to reduce manual reconciliation and investigation overhead through automated risk signals
Payments & Hardware Analytics
Build analytics to track EDC and Bukupe QRIS device activation rates, transaction velocity post-activation, and device-level lifetime value
Identify leading indicators of merchant churn or device dormancy - enabling proactive field intervention before revenue is lost
Support Operations with data-driven visibility into channel performance, partner fulfillment SLAs, and logistics efficiency (Shipper and 3PL tracking, kit dispatch timelines, serial mapping accuracy)
Help build the business case for owning a Jakarta warehouse by modeling cost, control, and speed trade-offs vs. the current 3PL model
GTM & Growth Analysis
Define channel-level performance metrics across different channels enabling smarter budget allocation and incentive design
Build merchant cohort and LTV models that inform acquisition targeting and retention investments
Develop experimentation infrastructure (A/B testing, synthetic controls, holdout groups) to drive evidence-based product and GTM decisions
Partner with the field sales team to instrument and improve the on-spot merchant activation journey
Data Infrastructure & Governance
Architect modern data pipelines (streaming + batch) to support low-latency decisioning for fraud, credit, and real-time merchant insights
Build a data platform that makes clean, governed, accessible data a company-wide resource
Define data governance frameworks suited to Bank Indonesia regulations, OJK compliance requirements, and cross-border fintech data standards
Ensure data quality, lineage, and reliability - particularly for credit and fraud models where data errors carry direct financial consequences
Team & Organization Building
Scale the data team from 5 to a high-performing organization of data engineers, ML engineers, analysts, and risk scientists
Hire for both technical depth and business acumen - people who can move from a model to a board slide
Build a culture of storytelling with data: dashboards that drive action, not just reports that get read
Create reusable frameworks and analytical tools that empower non-data teams (Ops, Finance, GTM) to self-serve on routine questions
Requirements
Must-Have
8-12 years in data leadership, with at least 4 years in fintech (payments, lending, or fraud/risk)
Hands-on experience building credit underwriting models for thin-file or informal economy borrowers - MSME or consumer lending in emerging markets preferred
Deep expertise in fraud detection systems across digital payment channels (QR, card, wallet)
Proficiency in Python, SQL, and ML frameworks (XGBoost, LightGBM, deep learning for behavioral data)
Experience with streaming data architectures (Kafka, Flink, or Spark Streaming) for real-time decisioning
Proven ability to build and lead data teams - hiring, mentoring, and retaining strong talent
Strong executive communication: able to translate model outputs into business decisions and board-level narratives
Nice-to-Have
Experience in Indonesia or Southeast Asia fintech, with familiarity with Bank Indonesia and OJK regulatory frameworks
Prior work on IoT or device telemetry analytics (relevant to EDC/POS and QRIS soundbox fleet management)
Exposure to agent-based or field sales distribution models and the analytics that support them
Experience deploying voice or alternative data signals in underwriting or fraud models
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