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)
Top Performer recognition (Q4 2023 – Q1 2024) — top tier of engineering organization
NEX Super-App (Feb 2023 – May 2023, Oct 2024 – Present)
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 — identified Node.js crypto blocking operations, implemented caching layer that eliminated CPU saturation
Designed GCRA rate limiting for BMI API, eliminating rate-limit violations
Resolved NEX Super App production incident: partner integration failure blocked users on that partner from app entry; implemented circuit breaker to isolate the dependency and restore access
Integrated BRI Ceria as a 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
Virtual Accounts (Jan 2022 – Feb 2023)
Scaled Xendit's Virtual Accounts product — one of the core payment channels serving thousands of SEA merchants on the B2B payment infrastructure SaaS
Integrated 3 new bank channels (DBS Indonesia, DBS Singapore, Bank Neo Commerce), contributing to a platform of 10 bank integrations across Indonesia and Singapore
Initiated SNAP API compliance project — regulatory migration foundational to maintaining Xendit's PJP 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 — Award: "The YC"
Bank BTPN (now Bank SMBC Indonesia) — Technical LeadOct 2019 – Jan 2022
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 → 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