Senior Backend Engineer at Amartha. Amartha supports micro-businesses throughout Indonesia, fostering growth and equal prosperity. Over 3.5+ million entrepreneurs—primarily women—have received support through 2 billion USD in disbursed funding. As 2026 approaches, Amartha is transitioning into a technology-driven financial ecosystem, broadening its scope across lending, funding, and payments. Innovation and digital solutions are used to improve accessibility, simplify processes, and deliver a smooth user experience. Roles and Responsibilities: - Design, build, and own critical backend services powering underwriting, credit scoring, and loan decisioning workflows. - Develop high-performance Go services for score orchestration, policy evaluation, decision APIs, and other lending platform capabilities. - Integrate credit models, rule engines, third-party data providers, and internal risk systems into dependable 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 via monitoring, alerting, and performance optimization. - Collaborate with ML, risk, product, and data teams to productionize scoring and underwriting capabilities end to end. - Lead technical design discussions, evaluate architecture trade-offs, and raise the engineering bar through mentoring and code review. - Manage production incidents, root-cause analysis, and ongoing system resilience improvements. - Maintain 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, including 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. Amartha is committed to building a workplace that celebrates diversity, ensures equity, and fosters inclusion. Diverse perspectives shaped by factors including gender, age, race, ethnicity, education, culture, and life experiences are recognized as drivers of innovation and growth. Individuals from all backgrounds are welcomed to help build an environment where everyone feels respected, valued, and empowered. The company aims to provide equal opportunities and a sense of belonging enabling employees to thrive and make meaningful contributions.

Senior Backend Engineer

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