Finance & Operations Specialist with 8+ years of experience in high-growth fintech environments, including crypto exchanges and P2P lending platforms. Expert in multi-currency treasury management, cross-border payment operations, fiat and crypto reconciliation, and operational risk control. Proven track record of designing scalable, data-driven financial processes, including reconciliation frameworks with up to 90% automation and fraud-risk detection logic for high-volume transaction systems. Strong collaborator with engineering and compliance teams, bridging finance, system logic, and data flows to strengthen transparency, accuracy, and governance. Currently expanding capabilities in data analytics and automation to further enhance operational monitoring, risk detection, and decision-making in fintech and digital-asset environments. Open to EU and global opportunities.
Experience: 5 years
Yearly salary: $50,000
Hourly rate: $25
Nationality: 🇮🇩 Indonesia
Residency: 🇮🇩 Indonesia
Experience
Finance, Accounting & Tax Analyst
PT Pintu Kemana Saja (Crypto Exchange) 2021 - 2022
Reconciliation Automation: Architected and implemented a near real-time fiat reconciliation system by integrating data from multiple payment gateways and banks, automating 90% of the process and reducing manual reconciliation time by 15+ hours per week. Fraud Prevention & Cost Savings: Identified and investigated a high-frequency deposit abuse pattern (2,000+ micro-transactions daily); proposed and implemented a minimum-deposit threshold that eliminated 100% of fraudulent activity and prevented unnecessary transaction fees. Risk Analysis: Uncovered fraudulent schemes using compromised bank accounts, leading to the immediate blocking of 100+ number of wallets and safeguarding user funds. Month-End Closing: Accelerated the month-end closing process by reconciling customer payables, ensuring 100% accounting accuracy between recorded balances and payment gateway settlements.
Finance Operations Assistant Manager
PT Karya Anak Nasional (P2P Lending Startup) 2020 - 2021
Product & Process Development: Joined as an early-stage team member to build a digital lending platform from the ground up. Collaborated directly with engineers through beta to production, reporting 100+ critical bugs and suggesting logic improvements that increased platform reliability by 80%. Credit & Collateral Management: Managed the end-to-end loan lifecycle, disbursing $100,000+ in loans while maintaining a repayment rate of 90%. Developed the initial collateral pricing framework and manually managed rate updates in Firebase, supporting informed lending decisions. Borrower Risk Assessment: Conducted comprehensive borrower evaluations by analyzing financial profiles and collateral, contributing to a low default rate of 5%.
Finance Operations Supervisor
PT Karya Anak Nasional (P2P Lending Startup) 2017 - 2019
Product & Process Development: Joined as an early-stage team member to build a digital lending platform from the ground up. Collaborated directly with engineers through beta to production, reporting 100+ critical bugs and suggesting logic improvements that increased platform reliability by 80%. Credit & Collateral Management: Managed the end-to-end loan lifecycle, disbursing $100,000+ in loans while maintaining a repayment rate of 90%. Developed the initial collateral pricing framework and manually managed rate updates in Firebase, supporting informed lending decisions. Borrower Risk Assessment: Conducted comprehensive borrower evaluations by analyzing financial profiles and collateral, contributing to a low default rate of 5%.
Owner
AD Watches (E-Commerce Business) 2017 - 2018
Managed end-to-end operations including product sourcing, digital marketing, and customer fulfillment while maintaining accurate bookkeeping.
Skills
finance
python
sql
analyst