The professional side.
Software engineer with 6+ years in fintech and banking. Payment systems, regulatory compliance, and scalable backend architecture, with a full-stack streak. Download PDF →
Experience
June 2026 – Present
Senior Engineer
DKatalisFebruary 2023 – May 2026
Software Engineer - Experiments (Super App)
Xendit- Resolved memory leak in NEX backend, reducing memory usage from 800+ MiB to ~385 MiB (over 50% reduction), cutting memory growth rate from 100%+ to 15%
- Resolved Bank Mayapada (BMI) scaling bottleneck by identifying Node.js crypto blocking operations, implementing caching layer that eliminated CPU saturation
- Designed GCRA (Generic Cell Rate Algorithm) rate limiting for BMI API integration, eliminating rate-limit violations
- Resolved NEX Super App production incident where a partner integration failure prevented users on that partner from entering the app; implemented a circuit breaker to isolate the failing dependency and restore access
- Integrated new BNPL partner, expanding Xendit's payment channel offerings
- Re-designed credit card architecture for Bank Mayapada integration; stabilized Bank BRI credit card production defects
- Sole engineer maintaining entire NEX product after full team departure (lead + 2 engineers), owning all technical decisions, stakeholder communication, and product delivery
- Improved internal Ledger library by adding TypeORM extension, enabling other teams to leverage advanced database features
- Fixed cross-platform CLI tooling for Kubernetes cluster management, improving developer productivity across engineering teams
- Applied Domain-Driven Design (DDD) and CQRS patterns to clarify domain boundaries and reduce change risk across core services
April 2023 – March 2024
Software Engineer - Experiments (e-money)
Xendit- Built NexCash, a white-label E-Money platform designed to enable external brands to offer E-Money products without independent BI licensing — shipped as E-Money-as-a-Service
- Key engineer in securing Bank Indonesia Category 1 license (money account issuance) — drove 2-month regulatory audit engineering workstream with IT GRC, Legal, and Product
- Architected in-house QRIS Acquirer, replacing Dana and LinkAja as third-party providers — Xendit now captures 100% of QRIS MDR revenue (previously retaining only 15–33%)
- Built QRIS Issuing system enabling QR payments directly from E-Money wallets across all merchant segments
- Configured and deployed application stack on AWS (migrated from Alibaba Cloud) to satisfy BI infrastructure requirements; authored handover docs and SOPs for BAU transition
- Currently leading BPR regulatory audit engineering workstream (second BI audit)
- Achieved 'Top Performers' recognition for exceptional product delivery and business impact in Q4 2023-Q1 2024, ranking in top tier of engineering organization
January 2022 – February 2023
Software Engineer - Virtual Accounts
Xendit- Scaled Xendit's Virtual Accounts product — one of the core payment channels on the B2B payment infrastructure SaaS, serving thousands of SEA merchants
- Integrated 3 new bank channels (DBS Indonesia, DBS Singapore, Bank Neo Commerce), expanding platform to 15+ bank integrations across Indonesia and Singapore
- Evaluated Philippines market expansion via DragonPay and Standard Chartered Bank to support regional growth.
- Initiated SNAP API compliance project — regulatory migration foundational to maintaining Xendit's PJP (Payment Service Provider) license with Bank Indonesia
- Implemented Blue-Green and Canary deployments, eliminating planned downtime on a high-volume financial transaction product
- Primary technical liaison for complex merchant integration issues as on-call handler; improved documentation and SOPs to accelerate incident resolution
- Received 'The YC' award from Xendit for excellence in resolving complex customer integration issues.
January 2021 – January 2022
Technical Lead
Bank BTPN- Led 3 engineering squads (11 engineers) shipping 6 back-office banking applications: Corporate Loans, GL Transactions, Insurance, Payroll (PT Pos Indonesia), Reconciliation, Credit Card Reconciliation
- Built Debit Card reconciliation system ingesting 16 data sources (30K–600K records each), serving Back-End Operations daily
- Proposed and authored Credit Card reconciliation engineering guidelines — established technical foundation before product launch
- Re-architected legacy monolith to event-driven microservices (Kafka), reducing deployment time, infrastructure cost, and reconciliation processing time for operations team
- Built observability stack from scratch: ELK, Zipkin distributed tracing, HashiCorp Vault, Circuit Breakers (Resilience4j)
- Created reusable Spring Boot AOP logging library adopted company-wide across multiple services
- Mentored engineers on architecture patterns and best practices; conducted contractor performance reviews
October 2019 – January 2021
Developer Digital Product & Service Delivery (Full Stack Developer)
Bank BTPN- Built applications for Back-Office Employees: Corporate Loan and General Ledger Transactions applications.
- Learned Test Driven Development and Pair Programming.
- Contributed to software components using Java and JavaScript.
- Designed and implemented RESTful APIs and microservices for digital products.
- Developed architecture and design documents, ensuring coding standards.
- Collaborated with product managers to prioritize business requirements.
- Worked with cross-functional teams to deliver high-quality products on time.
- Utilized Agile methodologies, including stand-up meetings and sprint planning.
November 2016 – October 2019
Computer Lab Assistant
Mobile Innovation Studio- Being a computer lab assistant and administrator on Mobile Innovation Studio.
August 2018 - November 2018
Software Engineer
Danasyariahid · Freelance- Built and maintained the web application for Danasyariah, a Sharia-compliant investing/crowd funding platform.
- Provided Sharia Investment Services and Financing for business owners and individuals, ensuring Halal benefits while avoiding Maisir, Gharar, and Riba.
October 2016 - September 2018
Android Developer
Lestari- Developed the Lestari app, a platform designed for the Local Art and Culture Marketplace focused on conserving the local artist and culture in Indonesia.
- Collaborated with cross-functional teams to enhance app features and user experience.
- Utilized Firebase for backend services and implemented Java for Android development.
- Worked with Laravel for server-side integration.
June 2018 - August 2018
Web Developer
Telkom Indonesia · Internship- Built SPPD (Surat Perintah Perjalanan Dinas) application using Django, enabling Telkom employees to manage official travel.
Education
Bachelor of Computer Science (S.Kom.) in Informatics EngineeringInstitut Teknologi Sepuluh Nopember, Surabaya
September 2015 – October 2019