Senior Backend Engineer

About Amartha

At Amartha, we empower micro-businesses across Indonesia, enabling growth and equal prosperity. We've supported over 3.5+ million enterpreneurs–mostly women–by disbursing 2 billion USD in funding. As we step into 2026, Amartha is evolving into a technology-driven financial ecosystem, expanding our reach in lending, funding, and payments. Through innovation and digital solutions, we aim to enhance accessibility, streamline processes, and create a seamless user experience.

Roles and Responsibilities:

• Design, build, and own critical backend services that power underwriting, credit scoring, and loan decisioning workflows.
• Develop high-performance Go services for score orchestration, policy evaluation, decision APIs, and related lending platform capabilities.
• Integrate credit models, rule engines, third-party data providers, and internal risk systems into reliable 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 through monitoring, alerting, and performance optimization.
• Partner with ML, risk, product, and data teams to productionize scoring and underwriting capabilities end to end.