About Us BPS, established in Indonesia in 2018, is a company that provides alternative credit scoring services, which is a reliable indicator to assess an individual's level of creditworthiness in meeting their financial obligations. BPS utilizes artificial intelligence (AI) technology to analyze various alternative data used in alternative credit scoring products. Alternative data sources include information managed by e-commerce companies, social media, payment gateways, and telecommunications.

Why Join BPS

• Innovation: Be part of a company that thrives on innovation and embraces the opportunities presented by AI and alternative data.
• Impact: Contribute to reshaping the future of financial services by promoting inclusivity and offering a fair assessment of individuals' financial capabilities.
• Collaborative Culture: Join a dynamic, collaborative team where your ideas are valued, and your growth is nurtured.

If you're ready to be part of a team that is redefining the rules of the game in the financial industry, we invite you to explore opportunities at PT Bangun Percaya Sosial. Join us on this exciting journey as we pave the way for a more inclusive and informed financial ecosystem.

Role Overview We are seeking a talented and detail-oriented Backend Engineer to design, build, and maintain robust backend systems that power our financial products. This role involves developing secure and scalable APIs, integrating with external data providers, and enabling real-time credit decisioning. You will work closely with cross-functional teams, including data science and product, to bring models and services into production. The ideal candidate has strong experience in API development, microservices architecture, and database design, with a solid grasp of security, compliance, and performance optimization in a regulated environment. Experience in fintech or credit scoring systems is a strong plus.

Key Responsibilities

• Develop and maintain scalable, secure RESTful APIs that serve internal systems and external clients.
• Design and implement database schemas that support auditability, traceability, and compliance with financial regulations.
• Integrate with third-party data providers (e.g., telcos, e-commerce, social platforms, credit bureaus).
• Collaborate with data science teams to productionize scoring models and data pipelines.
• Write clean, maintainable, and well-tested code
• Optimize application performance, uptime, and response time for real-time credit decisioning.

Qualifications

• Bachelor’s degree in Computer Science, Engineering, or a related field.
• 3+ years of experience in backend development.
• Proficient in one or more backend frameworks
• Strong understanding of relational and NoSQL databases (e.g., MySQL, MongoDB).
• Experience with API design and microservices architecture.
• Familiarity with CI/CD, Docker, Git, and cloud platforms
• Knowledge of security best practices in handling sensitive financial data.

Preferred

• Experience in the fintech, lending, or financial services industry.
• Exposure to alternative credit data sources and scoring models.
• Familiarity with event-driven architecture and message queues (e.g., Kafka).
• Understanding of data governance and regulatory requirements (e.g., OJK, ISO 27001).