Amar Bank Tech Stack

Digital bank serving underserved SMEs and unbanked populations in Indonesia

Banking Jakarta Selatan, DKI Jakarta 1,001–5,000 employees Public Company

Amar Bank operates Indonesia's largest MSME lending platform (Tunaiku), with 14M+ loan applicants and IDR 9T in cumulative disbursals since 2014. The tech stack reveals a finance-operations-first org: Excel, Power BI, and SQL dominate, paired with Android/Kotlin mobile apps and social ad channels (TikTok, Facebook, Instagram). Recent adoption of Vertex AI signals a shift toward ML-driven credit risk modeling—critical given their stated pain points around inaccurate borrower data and credit quality maintenance.

Tech Stack 18 technologies

Core StackPower BI Google Ads Python Kotlin Excel Facebook Ads Manager TikTok Apple Search Ads Twitter Ads Microsoft Office SQL Android Jetpack iOS TikTok Ads Instagram LinkedIn

AdoptingVertex AI

What Amar Bank Is Building

◆Challenges

Minimizing billing risks
Reducing customer arrears
Meeting collection targets
Ensuring compliance with tax laws
Inefficient onboarding process
Inaccurate borrower data
Implementing new regulations
Leadership depth
Maintaining credit quality and compliance
Preventing fraud in msme lending

▲Active Projects

Process automation initiatives
Develop dashboards for strategic planning
Embedded banking product go live partner acquisition
Digital tools and automation adoption
Sop development and enforcement
Credit scoring and risk models
Vertex ai adoption for credit risk modeling
Digital product line vision and okr development
Strategic initiatives from product line discovery to delivery
Documentation standards and audit readiness

Hiring Activity

Decelerating75 roles · 15 in 30d

Department

Finance

Ops

Sales

Support

Data

Engineering

Product

Seniority

Mid

Junior

Senior

Lead

Intern

Staff

Manager

Notable leadership hires: Business Operation Lead, MSME Lending Head, Recruitment Lead

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About Amar Bank

Amar Bank is a Jakarta-based public bank licensed and supervised by Indonesia's OJK regulator, operating a digital banking platform focused on small businesses and unbanked segments. The core product, Tunaiku, is a digital lending marketplace that pairs AI-driven credit scoring with cloud infrastructure to streamline loan origination. The business scales through direct digital channels (mobile apps) and performance-marketing tactics (TikTok, Google, Facebook Ads). Current hiring concentration in finance, ops, and HR reflects the operational intensity of MSME lending: loan servicing, collections, compliance, and fraud prevention dominate their active project list and stated challenges.

HeadquartersJakarta Selatan, DKI Jakarta

Company Size1,001–5,000 employees

Hiring MarketsIndonesia

Frequently Asked Questions

What is Tunaiku and how big is it?

Tunaiku is Amar Bank's flagship digital lending product. As of 2023, it has served over 14 million loan applicants and facilitated more than IDR 9 trillion in loan disbursals, targeting small businesses and unbanked populations in Indonesia.

What tech stack does Amar Bank use?

Core stack: Excel, Power BI, SQL for data/analytics; Python for modeling; Android, Kotlin, Jetpack for mobile; iOS for secondary platform. Recently adopting Vertex AI for credit risk modeling. Marketing relies on Google Ads, TikTok, Facebook Ads, and Instagram.