Dare to be part of something big?

Join FinAccel

Thank you for considering a career with us.

FinAccel is a fun, fast growing company with lofty ambitions. Starting with instant ecommerce financing, we are on a goal to disrupt unsecured lending in Southeast Asia, one of the fastest growing economic regions globally. Our first product, Kredivo, which integrates at merchant checkout, qualifies ecommerce buyers for instant ecommerce purchase financing at rates, which are much lower than consumer finance companies. We do this by using breakthrough technology and science to unlock unprecedented insights about credit risk and fraud from multiple data sources: phone, social networks, telco, financial and location data.

FinAccel is not for everyone. People who do well here tend to have a few qualities in common:

  • Intelligent
  • Intellectually curious
  • High ownership over their work
  • Strong communicators
  • Biased for speed
  • Team players
  • Excited by an all-in work culture
  • Motivated by building innovative products

We provide employees with a work environment which is:

  • learning and execution oriented without any politics or excessive managerial overhead,
  • where taking initiative is highly valued,
  • where making mistakes is encouraged as long as you keep learning from them,
  • one of the best compensation structures in the startup world (everyone is a shareholder in the company).

If you feel this is you, then we'd love to hear from you.


See all openings below. Email [email protected] to send your CV.


  • Design and implement product features and functionality for various Kredivo sites and services
  • Integrate with partners and build API's for external services on the Kredivo platform
  • Work with the Product, Business, and Sales teams to gather and understand requirements and deliver scalable solutions
  • Write high quality, maintainable code
  • Participate in design discussions, reviews and propose/implement solutions to technical problems and challenges
Qualifications & Experience
  • B.S, M.S, and/or PhD in Computer Science or equivalent
  • 4+ years of working experience in the Software industry
  • Well versed with Object Oriented Programming concepts
  • Strong understanding of Data Structures, Algorithms, and Computer Science fundamentals
  • Experience working on NodeJS
  • Experience working on frontend and client technologies such as JS, CSS3, HTML5, JSON, Angular/React/VueJS, etc and database systems
  • Proficient in HTTP, Web Services and Restful APIs
  • Having a good understanding in SQL query is a plus
  • Good Communication skills
  • Ability to work well in a team with a positive attitude
Role Overview:
  • Design and development of Kredivo Android app, and build other Android products in future
  • Write high quality, maintainable code
  • Participate in design discussions, reviews and propose/implement solutions to technical problems and challenges
  • 3-4 years of experience as an Android engineer
  • Must have startup experience
  • Strong understanding of algorithms, data structures, performance optimization techniques, and programming in OOP
  • Must be a believer in Agile and Lean methodologies
  • BS or MS in Computer Science or related field

We are looking for someone who could help us to create and maintain development platforms and processes that enable automation of builds and releases as the engineering organization grows. You will be collaborating with development, infrastructure, and QA teams to drive productivity, repeatability and quality improvements for our products

The responsibilities of this role are as follows:
  • Support automated build, configuration, and deployment processes
  • Provide debugging and troubleshooting assistance to application development teams
  • Development, maintenance, and support of specialized applications for use by in-house user communities and external clients
  • Work independently to respond to and resolve customer requests and issues
  • 3 years of systems administration and configuration experience with 1 years of experience focused on cloud-hosted commercial facing environments
  • Cloud deployment automation experience
  • Experience with log consolidation, reporting, and alerting frameworks such as ELK
  • Experience automating the configuration of and administration of load balancers, DNS, firewalls, and cloud based networks
  • Detailed knowledge of cloud infrastructure management
  • Familiarity with Unix (FreeBSD/Linux) operating systems, tools, and utilities
  • Containerization and Cloud (Docker, Kubernetes, Amazon Web Services
  • Familiarity with migration of services and server to the cloud and containers
  • Ability to design and configure virtual network topologies, especially in Amazon Web Services (AWS)
  • Experience designing configuration management systems using tools such as Chef, Ansible, Puppet, Salt & Jenkins
  • Ability to provision, monitor, optimize and scale AWS infrastructure using APIs
  • Strong coding capability in one or more languages, especially bash and Python
  • Experience with automation and workflow management
  • Experience with Docker highly preferred
  • Experience with application load balancing solutions for scaling and HA
  • Linux administration experience
  • Well versed in internet architectures, including web, application, and database components such as Apache, Nginx, memcache, MySQL, etc.
  • Deep understanding of firewalls, NAT and packet filtering (specifically Iptables)
  • General Networking skills os a BIG plus (Layer 2 & 3 switches, TCP/IP, SNMP, etc.)
  • Experience with Hadoop and related projects (Hive, Hbase, Pig, Spark, Mahout, etc.)
  • Experience in data analysis and visualization
  • Work with product team to understand overall business process and how the application works
  • Develop test automation for mobile apps and website
  • Execute testing scenario in details which include client side application, server side application and database
  • Help define, drive and implement QA best practice and process
  • Minimum 1 year of experience in automated and manual testing web and mobile applications (fresh graduates are welcome)
  • Deep understanding of software QA including best practices, process and all kinds of testing application
  • Having skill to identify and evaluate rare problems and missing requirements while conducting tes
  • Excellent in testing system, database, application, and reproduce bugs
  • Having skill to write SQL query is a big advantage
  • Excellent in communicate bugs report with developer
  • Excellent verbal and written communication skills, including the ability to write reports and business correspondence
  • Initiative, team work, integrity, and detail-oriented person
  • Must have good Analytical skill, good communication skill, and “can-do” attitude.
Job Description:
  • Maintain Kredivo apps and sites operational security from a variety of potential hacking and other threats
  • Collaborate with Engineer team for security design and app/ website code
  • Collaborate with Anti-Fraud team for security related issues
  • Passion in identifying and exploiting vulnerabilities in software products
  • Experience on using various hacking tools
  • Excellent Security engineer skill (e.g. Pentes, SIEM, etc)
  • Have a deep understanding about the importance of system security
  • Solid experience using Unix/Linux systems administration
  • Experience on handling the problems in system, code, or network security
  • Experience with large scale system and system clustering
  • Experience with scripting with python, bash, ruby, etc
  • Strong work habits and the ability to work independently as well as within a group setting
  • Knowledge of common networking configurations, load balancing, firewalls, security controls, authentication, cryptography, and common implementation flaws
  • Bachelors' degree in Computer Science or related field or equivalent practical experience.

We are looking for a hi-quality QA engineer to join our crack engineering team in Singapore.

  • Work closely with product, design and engineering teams to understand product requirements and design/execute test plans with complete ownership
  • Develop and maintain automation suites for website, mobile application and backend services
  • Review PRD and engineering design to share useful feedback on improvements before engineering execution cycle
  • Carefully plan out release process including identifying inter-dependencies and backward compatibility
  • Work closely with dev operations team in planning, executing and verifying product releases and measuring impact
  • Replicate bugs reported in production on staging environment and help troubleshoot and fix with urgency
  • Help define, drive and implement QA best practices and process
Qualification & Experience:
  • BS, MS, and/or PhD in Computer Science or equivalent
  • 3+ years in manual and automated testing of web services and mobile applications
  • Strong understanding of Data Structures, Algorithms, and Computer Science fundamentals
  • Strong understanding of testing best practices across white box, black box and regression testing
  • Strong analytical, problem solving and troubleshooting skills to test product quality for functional/non-functional requirements
  • Excellent with MySQL and scripting tools like BASH or Python on Linux
  • Intermediate level experience writing automation suites in any language of choice
  • Good understanding of HTTP, Web Services, OAuth and Restful APIs
  • Experience working with CI tools like Jenkins, Travis or others
  • Experience working with Git
  • Good communication skills and strong attention to details
  • Ability to work well in a team with humility, passion and self-motivation
  • Research and implement modern frameworks and technologies for back-end systems
  • Design and implement product features and functionality for various Kredivo sites and services
  • Work with the Product, Business, and Sales teams to gather and understand requirements and deliver scalable solutions
  • Write high quality, maintainable code
  • Own parts of the system and continuously work to improve them in an agile environment
  • Benchmark, load test, diagnose problems and helping create solutions
  • Participate in design discussions, reviews and propose/implement solutions to technical problems and challenges
Qualification & Experience:
  • BS, MS, and/or PhD in Computer Science or equivalent
  • 5+ years of working experience in the Software industry
  • Strong understanding of Data Structures, Algorithms, and Computer Science fundamentals
  • Strong analytical, problem solving and troubleshooting skills to assess business needs and transform into elegant product design
  • Well versed with Object Oriented Programming concepts
  • Advance level experience working on one of follow programming language: Go (preferred), Java or C++
  • Relevant experience in designing and coding scalable micro services
  • Fair understanding of RDBMS, columnar and key-value databases
  • Proficient in HTTP, Web Services, OAuth and Restful APIs
  • Familiar with Linux environment
  • Good communication skills and strong attention to details
  • Ability to work well in a team with humility, passion and self-motivation
  • Experience working with cloud based systems and infrastructure services such as AWS, GCP, Azure etc. is a plus


At Kredivo, Technical Product Analyst role is not a regular product analyst. We are looking for a Technical Product Analyst who is good at analytic skills and giving insights and passionate about technical stuff. You will join a dynamic and fast-paced environment and work with cross functional teams to analyze, build and implementations.


As IT business analyst (decision system), you will be responsible for maintaining and enhancing our credit decision system. On a day-to-day basis, you will be responsible for:

  • Translate business requirements/ logic into detailed technical requirements/specifications and flow
  • Work with engineering and operations team to implement these requirements into production system
  • Work with engineering and operations team to implement these requirements into production system
  • Build and track key metrics to ensure system stability and analyze any gaps for improvement
  • Assume responsibility for key project tasks and ensure they are completed in a timely fashion
  • Evaluate, test and recommend new improvements to enhance key system and processes
  • Working knowledge of SQL is required.
  • Bachelor's degree in Computer Science, Engineering or other technical field from top local or overseas universities with min GPA 3.5 on a 4.0 scale, Master’s degree is a plus
  • At least 2 years of experience as a product manager or project manager or business analyst in a startup environment
  • Solid technical background with understanding and/or hands-on experience in technical product development
  • Great communication and attention to detail
  • Excellent analytical, multi-tasking, and problem solving skills
  • A strong drive to make things happen, self-starter, and ability to influence

Data Science

The Role and Responsibilities

The VP of Data Science is responsible for developing and executing FinAccel’s data science strategy and building out a dedicated data science team in partnership with other stakeholders (specifically risk). You will primarily be focused on mining massive amounts of structured and unstructured data to improve our credit risk, fraud detection and collections systems. The primary objectives of FinAccel’s data science function are:

  • Develop and execute a comprehensive data analytics strategy
  • Build out a coherent company-wide approach to data analytics and lead a dedicated data analytics team
  • Leverage FinAccel’s vast amount of user data (spanning mobile, social media accounts, ecommerce and banking transactions, location, acquisition channel and so much more)

Develop a comprehensive data analytics strategy

  • Develop and execute a data analytics strategy to make continuous improvements to our credit scoring
  • Determine optimal data analytics organization resources and structure
  • Manage/ partner with Data Engineering to ensure a scalable data infrastructure

Build out a coherent company-wide approach to data analytics and lead a dedicated data analytics team

  • Clarify data metric definitions across the company and ensure there is a single-source of truth (SSOT) for specific metrics
  • Develop best-in-class data science organization at FinAccel that can scale with growth of the business/platform

Leverage FinAccel’s vast amount of data

  • Manage/partner with Data Engineering to develop scalable, best-in-class infrastructure that is able to ingest and transform customer and platform data
  • Enhance predictive analytics/statistical modeling/data mining algorithm capabilities
  • Experience managing/leading a team of data scientists with a track record of overseeing multiple data science and machine learning projects at all stages: from idea generation to objectives formulation to implementation and deliverables
  • Well versed in predictive modeling and forecasting techniques, with proven achievements and track record of success
  • At least 5-8 years of experience in data science or advanced analytics related roles
  • Previous experience as the head of data science or analytics in a high-growth environment
  • Excellent communication skills (the ability to break down the most abstruse concepts to a wide array of stakeholders)
  • Self-motivated creative problem solver who can work well under pressure and tight deadlines
  • Experience with current state-of-the-art big data analytic technologies and tools is required
  • Advanced degree required in a quantitative discipline: Statistics, Applied Mathematics, Machine Learning
Bonus points for prior experience with credit risk modeling

As a Data Scientist you’ll be part of a team that is working on cutting edge credit scoring algorithms. You will work side by side with Analysts and Data Engineers and take full ownershipof your work – from the initial idea-generation phase to the implementation of the final product. Our ideal candidate is result-focused, innovative and has solid quantitative background and a good business understanding.

Role Description:
  • Work in a multi-disciplined team where you’ll take full ownership of turning discoveries and ideas into machine learning models
  • Implementation of machine learning models
  • Research & Development on how to improve our credit scoring models, by using our vast amount of data
  • Actively contribute to taking Data Science at FinAccel to the next level
  • Minimum 2 years of relevant work experience
  • Masters, PhD, or equivalent experience in a quantitative field (Computer Science, Mathematics, Engineering, Artificial Intelligence, etc.)
  • Excellent English communication skills
  • Capable to build robust end-to-end predictive models using the latest Machine Learning techniques and methodologies
  • Experience with at least one scripting language, e.g. R, Octave, and one programming language, e.g. Python, Perl, C/C++, Java
  • Exposure to SQL and relational databases
Bonus points (optional) for:
  • Experience working with alternate data to evaluate credit risk
  • Experience in building end-to-end Deep Learning and/or NLP models

As Director, Machine Learning, you will frame, pose and translate real-world problems to build ML-powered solutions that directly contribute to our credit risk and identity verification stack. From creating experiments and prototyping implementations to designing new architectures, you will resolve challenging and meaningful problems in the credit risk world.

  • Collaborate with data science researchers to build, implement and maintain frameworks and abstractions
  • Build tools that will increase the productivity of teams developing ML-based systems
  • Develop working prototypes, proof of concepts, algorithms, and predictive models
  • Build demos and conduct training to help data scientists effectively use the product
  • Demonstrate and apply theories through research efforts to develop new and improved products, processes, or technologies
  • Collaborate with product management and engineering departments to understand company needs and devise ML powered solutions
  • Participate in cutting-edge research in artificial intelligence and machine learning applications
  • BS, MS or PhD in a quantitative field (CS, Engineering, Physics, etc.) with demonstrated use of ML techniques
  • Strong fundamentals in ML algorithms (i.e. neural networks, tree-based methods, unsupervised learning, feature engineering), programming, statistics, and mathematics
  • Familiar with ML/AI frameworks, e.g,. TensorFlow, PyTorch, and modular/modern software design practices.
  • Passionate about ML/AI and how it can improve financial inclusion in emerging markets
Role Description:
  • Building custom data pipelines on top of our core Python platform
  • Divining technical requirements from high level business needs of our end user
  • Collaborating closely with senior engineers to design and develop new product features
  • Building out tooling for a data development environment for our clients on our platform
  • Minimum 1 year of relevant work experience
  • Proficient with Python scripting language
  • Moderate to high degree of proficiency in SQL and SQL-variants such as postgres, mysql, or sql server
  • Experience in an analytical capacity, with deep understanding of Excel, R or similar
  • Detailed-oriented and love to double and triple check your work
  • Strong analytical skills and a love for all things data
  • Hadoop experience is a BIG plus


  • Posting of all Journal Entries (JE) for monthly and yearly closings for both the entities in
  • Posting of all vendor invoices received for both the entities in ID
  • Checking and posting of all employee reimbursement for both ID entities
  • Reconciliations of all Lenders
  • Reconciliations for Biller & Travel
  • Liaise with vendors and help sort out their queries for both the entities in ID
  • Calculate and post depreciation monthly for ID entity
  • Maintain Fixed Assets Register for the company for all entities.
  • Support Accounts team during audit.
  • Support on any accounting/finance related ad hoc duties requested by mgt
Qualifications & Experience:
  • Bachelor’s Degree in Accounting or equivalent
  • Good Communication skills in English both written and Oral.
  • Ability to work well in a team with a positive attitude.
  • 3+ years of working experience in Accounting for reputed company
  • Proficient in MS-Office (Especially in excel)
  • Working knowledge of QuickBooks will be an added advantage


As Head of Business Development, you will have ownership of a portfolio of Kredivo’s largest merchant accounts and develop new revenue generating partnernerships in related areas. You will take a consultative approach to gain a clear understanding of the merchant’s/ client’s business drivers and objectives, in order to find potential for us to grow with them. This is a cornerstone position within the Kredivo org where this individual will be responsible for all merchant and client facing interactions, go-to-market strategy and commercial team management.

  • Build and develop long-term partnerships with a matrix of relevant stakeholders in our key merchant partner organisations
  • Improve existing merchant integrations to optimise the deployment of Kredivo’s solutions and placement, to maximize share of checkout through an insights driven sales approach
  • Continuously analyze and evaluate the merchant’s business to execute to up-sell new products
  • Structure commercial pricing agreements
  • Own and close out new business development areas:
    1. Credit scoring service
    2. Data partnerships
    3. Market expansion

You may have experience from the financial sector, the payments industry or ecommerce. At Kredivo it is important to get things done and we expect you to be able to switch easily between strategic and operational tasks.

  • Minimum 5-6 years of experience in a sales or business development role
  • Proven track record in developing and cultivating relationships across all levels
  • Proven track record as an accomplished sales or partnerships leader
  • Well versed in the payments, credit card or consumer finance industry
  • Ability to multi-task, prioritize, and manage time effectively
  • Excellent interpersonal, written, and oral communication skills
  • Hi-energy and goal-driven personality, focused on achieving big things in ½ the time that it takes most people
  • At least a Bachelor's Degree