Senior Machine Learning Engineer at Amartha. Amartha provides support for micro-businesses throughout Indonesia with a focus on growth and equal prosperity, having backed over 3.5+ million entrepreneurs—mostly women—through 2 billion USD in disbursed funding. Moving into 2026, Amartha is transitioning toward a technology-driven financial ecosystem with broader coverage in lending, funding, and payments, aiming to boost accessibility, simplify processes, and deliver a seamless user experience via innovation and digital solutions. Roles and Responsibilities: - Design, develop, and deploy ML models for credit scoring, underwriting, fraud detection, collections, and portfolio risk management. - Construct robust features from customer, transaction, repayment, behavioral, and alternative data. - Choose and evaluate suitable algorithms, with a focus on explainable and high-performing models like XGBoost. - Set offline and online evaluation metrics aligned with lending outcomes and business goals. - Handle class imbalance, data leakage, bias, model stability, and evolving customer behavior. - Develop reliable training, validation, deployment, monitoring, and retraining pipelines. - Track model performance, calibration, drift, fairness, and operational impact in production. - Produce clear model documentation and communicate decisions to risk, product, engineering, compliance, and business stakeholders. - Work with data engineers and software engineers to embed models into scalable production systems. - Run experiments and translate model improvements into measurable business outcomes. - Investigate practical LLM and agentic-AI use cases including document processing, underwriting assistance, investigation workflows, and internal productivity tools. Requirements: - Bachelor's or Master's degree in Computer Science, Machine Learning, Statistics, Mathematics, or a related field, or equivalent practical experience. - 5+ years of ML Engineering or Data Scientist experience. - Strong grounding in traditional machine learning covering classification, regression, feature engineering, model evaluation, and imbalanced-data handling. - Hands-on experience with models such as XGBoost, LightGBM, random forests, and logistic regression. - Proficiency in Python, SQL, and ML libraries including scikit-learn, XGBoost, pandas, and NumPy. - Experience deploying, monitoring, and maintaining ML models in production. - Understanding of model explainability, drift detection, experiment tracking, and reproducible ML workflows. - Knowledge of credit risk, underwriting, fraud detection, customer scoring, or related financial-services use cases. - Experience in fintech, digital lending, or microfinance is strongly preferred. - Familiarity with cloud platforms, containers, APIs, and data pipelines. - Exposure to LLMs, retrieval-augmented generation, prompt engineering, or agentic programming is a plus. Amartha states its dedication to building a workplace that values diversity, ensures equity, and supports inclusion. The company believes diverse perspectives shaped by gender, age, race, ethnicity, education, culture, and life experiences drive innovation and growth. It welcomes individuals from all backgrounds to help build an environment where everyone feels respected, valued, and empowered, with a commitment to equal opportunities and a sense of belonging that allows employees to thrive and contribute meaningfully.

Senior Machine Learning Engineer

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