Job Description:We are looking for someone that has a strong problem-solving skills and growth mindset to join our team to help us achieve our mission through our Business Solutions Product (Flip B2B). As a Senior Product Manager (individual contributor role) for this team, you will be responsible for conceptualizing, building & enhancing the product to offer a superior experience to our business customers including but not limited to Merchant Onboarding and Disbursement products covering Domestic Money Transfer and International Money Transfer. You will also be responsible for crafting and executing the product strategy to scale the product offerings. To achieve our mission to build the fairest financial services company, we need to build a world-class product experience that is seamless, convenient, and reliable for our customers. We face new and exciting challenges every day and need your help to solve them.
What you’ll do:Define, lead and execute a product strategy to achieve our business goals while collaborating with other product teams and functions.Own OKRs and drive the roadmap for your team, ensuring alignment with product groups and other functions.Manage prioritization, product definition, execution, roll out and impact analysis for each of the initiatives that are owned by you.Build crystal clear PRD and break down user requirements into user stories & acceptance criteria, and communicate the same to the engineering & design teams.Participate in & drive scrum activities like daily standup, sprint planning, sprint review, sprint retrospective & backlog grooming.Identify important metrics, build dashboards and analyze the data available for better decision making.Develop trusted relationships with engineering leaders, business leaders, and stakeholders to drive optimized product delivery.Drive end-to-end improvements across merchant onboarding flows, account setup, and lifecycle management to improve activation, compliance readiness, and time-to-value.Own the product outcomes for Domestic Money Transfer disbursements, including transaction lifecycle reliability, error handling, operational tooling, and partner/bank performance improvements.Own the product outcomes for International Money Transfer disbursements, including partner integrations, compliance guardrails, FX-related considerations (where applicable), transparency, and SLA management.
Success criteria looks like:A Bachelor’s / Masters or an equivalent degree, preferably in engineering or management.At least 5 years of product management experience in delivering highly successful and innovative products (fintech/payments experience is a strong plus).A good understanding of merchant onboarding, disbursement/payouts (domestic transfers) and/or international transfers is a plus.Ability to break down complex problems, identify use cases and solutions while working in a fast-paced environment.Demonstrate a nuanced understanding of data, design & research, software engineering, business processes, and partner effectively with those teams.Strong analytical and quantitative skills with the ability to use data and metrics to justify requirements.High attention to detail, ability to insist on high standards, and proven ability to manage multiple, competing priorities simultaneously with minimal supervision.Strong communication, listening, interpersonal, influencing, and negotiation skills; ability to convey important messages in a clear and compelling manner.A go-getter attitude that resonates with extreme ownership and accountability.
About the Role
We are looking for someone with strong problem-solving skills, technical depth, and a growth mindset to lead Flip’s Risk & Operations Platform. As a Senior Product Manager, you will be responsible for conceptualizing, building, and scaling the internal systems that power Flip’s Operations, Customer Support platforms, Internal Portal frameworks, and Risk Platforms and Infrastructure.To build the fairest financial services company, we must operate with systems that are scalable, secure, intelligent, and audit-ready. This role sits at the intersection of product, engineering, operations, risk, compliance, and data — building the internal operating system that supports every product and every customer interaction at Flip.
About Flip
Rafi, Luqman, and Anjar, who were college friends in Universitas Indonesia, started Flip as a project in 2015 to transfer payments to each other at a fraction of what banks would charge them. They are pioneers in the Indonesian market, with their technology now helping millions of Indonesians, both individuals and businesses, carry out bank-to-bank money transfers through a reliable and seamless app.
After five years of operations, Flip has helped Indonesians transfer money worth several trillions of rupiah and has received double-digit funding from respectable investors such as Sequoia India, Insight Partner, and Insignia. Flip’s ultimate mission is to give Indonesians access to one of the most progressive and fairest financial services in the world.
What you’ll do:
Define, lead, and execute the product strategy and roadmap for Flip’s Risk & Operations Platform.Own the architecture and evolution of internal portal frameworks, including shared templates, authentication flows, permission models, and RBAC systems with strong auditability.Increase ticket deflection and operational efficiency through workflow redesign, automation, and AI-assisted triaging.Improve transaction operations tooling, including lifecycle visibility, disturbance detection, reconciliation workflows, routing transparency, and escalation management.Strengthen compliance, and fraud operational systems, including case management tooling, rule management frameworks, monitoring dashboards, and risk signal integration.Identify and implement practical AI use cases across operations and risk workflows, ensuring proper human-in-the-loop guardrails and regulatory readiness.
What You'll Need:
A Bachelor’s / Master’s degree or equivalent experience, preferably in engineering, computer science, or management.At least 5 years of product management experience building platform systems, internal tools, or operational infrastructure (fintech/payments experience is a strong plus).Strong understanding of operational workflows, helpdesk/ticketing systems, case management platforms, or fraud processes.Comfortable discussing APIs, system integrations, authentication and authorization models (RBAC), workflow orchestration, and data pipelines.Practical familiarity with AI tools and ability to identify meaningful AI/automation use cases in operational environments.Strong analytical and quantitative skills with a data-driven approach to improving operational performance.Strong communication and stakeholder management skills.A strong ownership mindset with a bias toward automation, operational excellence, and scalable system design.
About the roleAs a DevOps Engineer, you will be responsible for driving continuous integration and deployment (CI/CD), managing cloud-based infrastructure, and ensuring high availability, scalability, and security of our applications. You will work with automation tools, observability solutions, and AI-driven enhancements to optimize DevOps workflows and improve operational efficiency. This role requires deep expertise in cloud cost optimization, infrastructure as code (IaC), monitoring, and zero-downtime deployments.
About FlipRafi, Luqman, and Anjar, who were college friends in Universitas Indonesia, started Flip as a project in 2015 to transfer payments to each other at a fraction of what banks would charge them. They are pioneers in the Indonesian market, with their technology now helping millions of Indonesians, both individuals and businesses, carry out bank-to-bank money transfers through a reliable and seamless app.
After ten years of operations, Flip has helped Indonesians transfer money worth several trillions of rupiah and has received double-digit funding from respectable investors such as Sequoia India, Insight Partner, and Insignia. Flip’s ultimate mission is to give Indonesians access to one of the most progressive and fairest financial services in the world.
At Flip, we always strive to provide the fairest place for you to work, learn, and grow with talented and fun people in various opportunities to advance your career and get fair rewards. We believe that we have to treat employees, customers, and all stakeholders fairly and respectfully. Fair treatment for employees means we establish clear goals, facilitate our employees to achieve them, and value their contribution to the company with equitable benefits.
What you'll doA. CI/CD & Deployment PipelinesExperience with Jenkins, Bamboo, GitLab CI/CD.Expertise in Zero Downtime Deployment strategies.Strong knowledge of GitOps practices using ArgoCD.B. Containerization & OrchestrationExperience with Docker & Kubernetes (EKS/GKE/AKS).C. Monitoring & ObservabilityStrong experience with ELK Stack (Elasticsearch, Logstash, Kibana) for logging and observability.Experience with Grafana & Prometheus for system monitoring.D. Messaging & Caching SystemsExperience managing Kafka (production-level clusters).Hands-on expertise in Redis (production-level clusters).E. Scripting & AutomationPython scripting for automation (preferred).F. AI & Automation ToolsExperience leveraging AI tools (ChatGPT, GitHub Copilot, etc.) to automate routine DevOps tasks and improve productivity.Ability to integrate AI-driven solutions into DevOps workflows.G. Cloud Cost OptimizationStrong understanding of cost-saving best practices for cloud infrastructure.H. Mentor junior engineers and collaborate with cross-functional teams.
Superpowers/Skills That Will Help You Succeed in This RoleHigh level of drive, initiative, and self-motivation.Strong problem-solving skills with a growth mindset.Excellent communication and stakeholder management.Passion for automation and AI-driven efficiencies.Willingness to experiment, innovate, and continuously improve.
Preferred qualifications3-5 years of overall experience, with at least 3 years in DevOps.Cloud expertise: AWS (Preferred) / Google Cloud / Azure.Infrastructure as Code (IaC): Hands-on experience with Terraform for cloud resource provisioning.
We are looking for a Data Analytics Manager at Flip to lead our growing analytics function. In this role, you won't just be generating insights—you will be building the team and the strategic roadmap that drives Flip’s marketing and product evolution. You will serve as a bridge between technical execution and business strategy, ensuring that data is a core pillar of our mission to provide fair financial services to all Indonesians.
About FlipRafi, Luqman, and Anjar started Flip in 2015 to solve a simple problem: bank transfer fees. Today, Flip is a fintech pioneer helping millions of individuals and businesses move trillions of rupiah. Backed by Sequoia India, Insight Partners, and Insignia, our mission is to provide the most progressive and fairest financial services in the world.
We believe in fairness—not just for our customers, but for our employees. We provide a space where you can lead, innovate, and grow with equitable rewards and a culture of respect.
Key Responsibilities:Strategic Leadership: Define the analytics roadmap and vision to support Flip’s long-term business goals in marketing and product development.Team Management & Mentorship: Recruit, manage, and develop a high-performing team of data analysts. Foster a culture of ownership, continuous learning, and technical excellence.Cross-Functional Partnership: Act as a strategic advisor to Marketing, Product, and Engineering leadership to identify growth opportunities and define "success" metrics.Analytics Governance: Oversee the development of standardized frameworks for customer segmentation, lifetime value (LTV), and product performance.Data Strategy: Partner with Data Engineering to influence data modeling, warehousing strategy, and the enrichment of our data ecosystem to ensure scalability.Impact Measurement: Champion a rigorous experimentation culture, overseeing the design and analysis of complex A/B tests and causal impact studies.Executive Communication: Synthesize complex analytical findings into compelling narratives and actionable recommendations for senior leadership and stakeholders.
Requirements:Experience: 7+ years of experience in data analytics, with at least 2+ years in a formal people management or team lead role.Technical Depth: Mastery of SQL and Python; expert-level experience with data visualization ecosystems (Looker, Tableau, or Power BI).Business Acumen: Proven track record of using data to drive measurable business outcomes in user acquisition, retention, or monetization.Methodology: Strong foundation in statistics, including A/B testing, cohort analysis, and predictive modeling.Infrastructure: Hands-on experience with cloud-based data platforms (GCP/BigQuery preferred) and an understanding of data engineering workflows.Communication: Exceptional stakeholder management skills with the ability to influence decision-making at the executive level.Education: Bachelor’s or Master’s degree in a quantitative field (Statistics, Economics, Computer Science, etc.).
Nice to Have:Experience in a Fintech environment or a high-growth startup.Advanced knowledge of marketing attribution models and marketing mix modeling (MMM).Experience overseeing data governance or data quality initiatives at scale.
About the Role
As a Fraud Analytics, you will responsible for building a data-driven defense framework within the offline merchant ecosystem. This role focuses on developing rule-sets, modeling transaction behaviors, and monitoring risk metrics to minimize financial losses from fraud without hindering business growth.
About Flip
Rafi, Luqman, and Anjar, who were college friends in Universitas Indonesia, started Flip as a project in 2015 to transfer payments to each other at a fraction of what banks would charge them. They are pioneers in the Indonesian market, with their technology now helping millions of Indonesians, both individuals and businesses, carry out bank-to-bank money transfers through a reliable and seamless app.
After five years of operations, Flip has helped Indonesians transfer money worth several trillions of rupiah and has received double-digit funding from respectable investors such as Sequoia India, Insight Partner, and Insignia. Flip’s ultimate mission is to give Indonesians access to one of the most progressive and fairest financial services in the world.
What you’ll do:
Rule Development & Optimization: Design, backtest, and implement new detection rules within the Fraud Detection System (FDS) to identify anomalous behavior in QRIS transactions.Transaction Monitoring: Dynamically manage transaction thresholds based on merchant risk profiles and Merchant Category Codes (MCC).False Positive Analysis: Conduct periodic evaluations of existing rules to ensure effectiveness and minimize impact on legitimate transactions.Pattern Recognition: Perform deep-dive analysis on large datasets to uncover emerging fraud trends, such as synthetic identity, merchant collusion, or settlement system manipulation.Performance Reporting: Build and maintain risk monitoring dashboards covering key metrics such as Fraud Rate, Detection Rate, and Loss Prevented.Simulation & Testing: Simulate the impact of new rules before production deployment to ensure there is no disruption to the transaction success rate.
What You'll Need:
A minimum of a Bachelor's degree in a related field, such as Computer Science, Information Technology, Statistics, or Mathematics.At least 2 years of experience in the fraud/risk domain (experience within an offline merchant environment is a significant plus).Proficient in writing complex SQL queries to extract and manipulate data from data warehouses (e.g., BigQuery, PostgreSQL).Experienced in using Python or R for statistical analysis, outlier detection, and basic data modeling.Strong analytical and problem-solving skills.In-depth knowledge of fraud landscapes, including modus operandi, characteristics, and common indicators.Proven experience in configuring, deploying, managing, and fine-tuning rules within a specific Fraud Detection System (FDS).
We are looking for a Data Engineer at Flip. You will be responsible for building and maintaining scalable data pipelines and core datasets to support data discovery and insights generation. In this role, you will partner closely with data stakeholders to enhance reliability, performance, and extensibility of the data platform, ensuring it meets both current requirements and anticipated future use cases.
About FlipRafi, Luqman, and Anjar, who were college friends in Universitas Indonesia, started Flip as a project in 2015 to transfer payments to each other at a fraction of what banks would charge them. They are pioneers in the Indonesian market, with their technology now helping millions of Indonesians, both individuals and businesses, carry out bank-to-bank money transfers through a reliable and seamless app.
After five years of operations, Flip has helped Indonesians transfer money worth several trillions of rupiah and has received double-digit funding from respectable investors such as Sequoia India, Insight Partner, and Insignia. Flip’s ultimate mission is to give Indonesians access to one of the most progressive and fairest financial services in the world.
What You'll DoBuild and maintain batch data pipelines for ingestion into BigQuery from multiple sourcesSupport the creation of MVP data transformations and analytics datasetsSchedule and automate reporting pipelines using orchestration toolsCollaborate with data analysts to enable reporting and dashboardsEnsure data quality, documentation, and reproducibility of workflows
What We're Looking For2+ years of experience in data engineering or analytics engineeringSolid SQL and Python skills for ETL/ELT workflows and be able to implement it on production-readyExperience and knowledge of good practices with cloud data warehouses (BigQuery, Athena, etc)Familiarity with orchestration tools (Airflow, Argo, dbt) to deliver SLA driven pipeline designComfortable working in Git-based workflows and supporting CI/CD processesFamiliarity with Terraform is a plusExperience with building a data warehouse is a plusExperience working with variety of stakeholders outside Data team is a plusExperience with data quality/governance best practices is a plus
We’re hiring Junior Software Engineers (Backend) to join the Accept Payment team at Flip. If you’re passionate about building reliable systems, eager to learn, and excited to work on products that impact millions of Indonesians, this is your chance.
About the Accept Payment teamWhen you shop on an e-commerce platform and proceed to payment, the seamless payment page with multiple payment options is the work of our Accept Payment team.Join us to play a pivotal role in building and enhancing our payment gateway and payment page solutions. These essential features empower merchants and partners to integrate payment flows effortlessly into their applications, ensuring a smooth and efficient experience for their customers. Our work not only simplifies transactions for users but also helps businesses scale with confidence.As a member of this team, you will collaborate with skilled professionals to design, develop, and optimize the payment experience—shaping the future of digital commerce.
About FlipFlip was founded in 2015 by three friends from Universitas Indonesia — Rafi, Luqman, and Anjar — with the goal of making money transfers fairer for Indonesians. Today, millions of individuals and businesses trust Flip to send trillions of rupiah across banks every year.We’re backed by leading investors such as Sequoia India, Insight Partners, and Insignia, and our mission is simple: to give Indonesians access to one of the most progressive and fairest financial services in the world.At Flip, we always strive to provide the fairest place for you to work, learn, and grow with talented and fun people in various opportunities to advance your career and get fair rewards. We believe that we have to treat employees, customers, and all stakeholders fairly and respectfully. Fair treatment for employees means we establish clear goals, facilitate our employees to achieve them, and value their contribution to the company with equitable benefits.
What you’ll doWork with senior engineers to build and maintain backend services used across Flip’s ecosystem.Write clear, tested, and efficient code, mainly in Go.Review and learn from code written by peers and provide constructive feedback.Collaborate cross-functionally with product managers, designers, and other engineers to deliver reliable features.Help troubleshoot and resolve production issues under guidance.
What you’ll needBasic programming experience in any backend language (Go experience is a strong plus).Understanding of core computer science concepts: data structures, algorithms, OOP, and clean code principles.Willingness to learn new tools and technologies quickly.Good problem-solving mindset and eagerness to grow.Strong communication skills and ability to collaborate in a team.Alignment with Flip’s values of fairness, respect, and continuous learning.
Why join Flip?Learn directly from experienced engineers working on large-scale systems.Be part of a mission-driven company making finance fairer in Indonesia.Grow your career in a supportive and collaborative environment.Enjoy fair rewards, clear goals, and recognition for your contributions.
About the Role
As a Business Development at Flip, you will play a key role in driving the company’s growth by identifying, building, and nurturing strategic partnerships. Your ability to spot opportunities, negotiate win-win deals, and cultivate strong relationships will be crucial in expanding Flip’s reach and unlocking new revenue streams. You will work closely with cross-functional teams—ranging from product and marketing to sales—to design and execute partnership strategies that align with Flip’s long-term vision. By joining us, you’ll be at the forefront of shaping Flip’s ecosystem in the Payment and Fintech industry, making financial services more accessible, seamless, and impactful for millions of users.
About FlipRafi, Luqman, and Anjar, who were college friends in Universitas Indonesia, started Flip as a project in 2015 to transfer payments to each other at a fraction of what banks would charge them. They are pioneers in the Indonesian market, with their technology now helping millions of Indonesians, both individuals and businesses, carry out bank-to-bank money transfers through a reliable and seamless app.
After seven years of operations, Flip has helped Indonesians transfer money worth several trillions of rupiah and has received double-digit funding from respectable investors such as Sequoia India, Insight Partner, and Insignia. Flip’s ultimate mission is to give Indonesians access to one of the most progressive and fairest financial services in the world.
At Flip, we always strive to provide the fairest place for you to work, learn, and grow with talented and fun people in various opportunities to advance your career and get fair rewards. We believe that we have to treat employees, customers, and all stakeholders fairly and respectfully. Fair treatment for employees means we establish clear goals, facilitate our employees to achieve them, and value their contribution to the company with equitable benefits.
What you'll do:
Develop and implement a comprehensive strategy for identifying and securing partnerships with target fintech or banks (ranging from large incumbents to digital/neo-banks).Analyze market trends, competitor activities, and regulatory landscapes within the banking sector to identify new partnership opportunities and refine the partnership strategy tailored to the unique needs and strategic priorities of each potential bank partner. Serve as the primary contact for key existing partners.Monitor partnership performance against agreed KPIs and objectives.Identify opportunities to deepen relationships and expand the scope of existing partnerships (e.g., upselling, cross-selling, new initiatives).
What you'll need:
Min. 5-7 years of experience in Business Development, Strategic Partnerships, or a comparable client-facing role, with a significant portion focused on the financial services sector.Proven track record of successfully identifying, negotiating, closing, and managing complex strategic partnerships, specifically with banks or large financial institutions.Strong understanding of the Fintech landscape and banking industry (operations, products, digital transformation trends, regulatory environment - knowledge of local regulations like OJK/BI in Indonesia).Experience working within a Fintech company or selling technology/services to banks is highly desirable.Demonstrated ability to build rapport and trust with relevant partner at partner organizations.Excellent understanding of partnership structuring, contract negotiation, and deal execution processes.Fluency in Indonesian and English.
