About Us

Benedicto Haryono
Co - Founder
Willy Arifin
Co - Founder
Co - Founder

Benedicto Haryono

As a Co-founder, Ben is responsible for developing the overall strategy and direction of KoinWorks' initiatives, including our product development and strategic partnerships. Ben also takes the lead in recruitment and in liaising with our Legal consultants.

Before founding KoinWorks, Ben was mainly involved in a palm oil company as head of the commercial department. Ben also currently serves as non executive directors at two small companies; Indoseaweed and Bedec.

Ben holds a MBA from IESE Business School and a BSE in Industrial Engineering from University of Michigan, Ann Arbor.

Co - Founder

Willy Arifin

As the Co-Founder, Willy is responsible for overseeing the key direction and managing the Company’s accounting and finances for Koinworks.

Willy is also a Director of Business Development in the family business specifically in the Oil and Gas Shipping company both in Indonesia and Singapore. Also has personal investment ventures in Property, Technology, F&B and Material Stones.

Willy received his Bachelor of Science Engineering from the University of Michigan, Ann Arbor.

Willy Wirawan
CTO
Rd. Lasmaditya Ikhwalfebriant
Product Manager
CTO

Willy Wirawan

As CTO, Willy ensures the product vision to be achieved.

Prior to KoinWorks, Willy was supporting microfinance institution to help the bottom of the pyramid to achieve operational excellence through information system.

Willy graduated from National University of Singapore with a Bachelor of Engineering in Computer Science.

Product Manager

Rd. Lasmaditya Ikhwalfebriant

As a Product Manager, Ikhfan responsible to develop and maintain a whole KoinWorks Product Road Maps. By looking at Market data, he define what kind of products that fit with KoinWorks strategy. He also coordinate with across division to keep well-informed of what kind of insights came from our users as well as coordinate with developer to make sure all product initiatives are scoped properly and meet the timeline.

Before joining KoinWorks, Ikhfan was a Product Manager for one of Indonesian Startup. He responsible to develop a B2B product from scratch.​

Ikhfan graduated from University of Indonesia, majoring in Physics.

Jonathan Bryan
Head of Marketing
Johan
Senior Programmer
Head of Marketing

Jonathan Bryan

As Head of Marketing, Jonathan is responsible for managing and planning all KoinWorks public presence Online and Offline.

Before joining KoinWorks, Jonathan was involved in Online Recruitment Business as Web & Product Development Manager. As an internet enthusiast, he is also active in startup and digital marketing community.

Graduated from Swiss German University, majoring in Mechatronics Engineering.

Senior Programmer

Johan

As a Senior Programmer, Johan spends most of his time designing and coding our system to ensure the business processes run smoothly. He also builds a range of tools which include, but not limited to, frameworks for automated testing, automated build and test environments, reporting and alerts, configuration management and versioning.

Johan was a system developer for 4 years, specialized in operations and accounting.

Bentar Dwika
AI Researcher
Ezra Akwila Jusuf
Business Development
AI Researcher

Bentar Dwika

As an AI Programmer, Bentar develops algorithms for data mining and machine learning to improve credit scoring, processing and analyzing data in unstructured forms for improving KoinWorks’ credit scoring.

Before joining Koinworks, Bentar worked at Muamalat Bank as Risk Analytics & System, First Islamic Bank in Indonesia, where he created Loss Event Database Application, Early Warning System for Retail & SME, and Risk Control Self Assessment Application.

Bentar graduated a Bachelor Computer Science at Gunadarma University and is now taking a part time education for Master of Business Management at IPB Business School

Business Development

Ezra Akwila Jusuf

As the Business Development, Ezra is responsible for managing and developing overall business lines, especially for KoinBisnis and KoinPintar.

Prior to joining KoinWorks, Ezra was acting as a Regional Manager at Indofood's International Operation Division. When Ezra was in Insurance and Network Marketing, Ezra got several awards such as Top 20 Best New Agents in Indonesia and The Youngest Leader in Indonesia. Ezra also actively participated in Toastmasters International with last position as Area Governor for Surabaya and won several Public Speaking competitions.

Ezra graduated from Institute Technology of Sepuluh Nopember Surabaya (ITS) majoring in Industrial Engineering with specialization in Financial Engineering.

Fadhlin
Business Development
Tyas Suci
Psychologist
Business Development

Fadhlin

As Business Development officer, he is responsible for underwriting and loan review analysis processes, product development and all functions providing lending support, direction, and credit information. He is also responsible to develop new markets and products.

Fadhlin was the Product Development and Marketing Officer at a Private Bank in Jakarta, responsible for overseeing a company's product strategy and development, and was involved in marketing and product policy training.

Fadhlin holds a MS from University of Indonesia

Psychologist

Tyas Suci

As a Psychologist at Koinworks, Tyas provides consultancy and advisory working for the Client related to product development of the Client’s platform and the development of the Client’s credit scoring algorithm.

Before joining Koinworks, Tyas was a Psychologist in a world class university, where she handled program development & evaluation, doing counseling & guidance activity, and also conducted a general academic assistance program.

Tyas is an ambitious person to achieve the best in her job. She got the second position in her previous team. She also was the chosen of peer counselor competition in her campus. She also helped her lecturers having a research of student future orientation in one of areas in West Java.

Noviyanto Ewanjaya
Digital Marketing
​Agus Andri Putra
Front End Developer
Digital Marketing

Noviyanto Ewanjaya

As Marketing Officer, Noviyanto is responsible to conduct market research, conceptualize and execute marketing strategies, both digital and conventional. He also oversees quality of a good and digestible content on KoinWorks’ website and social media.

Before joining KoinWorks, Noviyanto was one of the Product Development Associate at Crowdo, a Crowdfunding company based in Singapore.

Noviyanto graduated from BINUS University, majoring in Information System.

Front End Developer

​Agus Andri Putra

As Front End​, Agus​​ is serving to ​strengthen ​interface ​of the website​, instead to add more taste and suit to user experience so that easy to access to become partner of KoinWorks.

Before joining​ with​ ​K​oin​W​orks​,​ ​Agus​ work​ed​ at ​digital agency company ​pr​ov​​iding the website for company profile, e-commerce, web application or business service to enhance ​client's ​landing​ ​page.

Agus ​graduated a Bachelor's degree in ​C​omputer ​E​ngineering from Universitas Islam Negeri Sunan Gunung Djati in Bandung Before joining with KoinWorks, Agus also worked for some freelances to develop website​ from local to international company.

Vania Amelia
Graphic Designer
Walter Pinem
SEO Content Writer & Community
Graphic Designer

Vania Amelia

As the Graphic Designer, Vania is responsible for creating promotional materials and creating User Interface for the websites. Together with Marketing, she has to clearly communicate the goal of the company.

Before joining KoinWorks, Vania was a creative intern at a PR agency in Berlin. Working with the Advertising team, she was responsible for creating designs for clients, both for online and printed materials.

Vania studied Visual Communication Design and holds a BA from Binus University.

SEO Content Writer & Community

Walter Pinem

As SEO Content Writer, part of Digital Marketing division, Walter is responsible to conduct keyword research and analysis for SEO purposes, optimize the existing contents, boost organic traffic from major search engines such as Google and Bing to ensure conversion, managing official blog & social media, and write SEO-optimized contents.

Before joining KoinWorks, Walter was a freelance WordPress developer and content writer for 6 years. He was working for various foreign agencies based in Canada, Munich, St. Petersburg, and US.

Holds BA in Political Science from Parahyangan Catholic University, majoring International Relations.

​Richard Marthin
Junior Fraud
Junior Fraud

​Richard Marthin

As Fraud Analyst, Richard has a duty to analyze any incoming loan portfolio in KoinWorks, including reviewing legal documents and give an opinion in terms of fraud prevention, working together, hand-in-hand with Risk and Operations Department.

Before joining KoinWorks, Richard was a Legal Corporate in attorney office, Credit Operation Officer in Bank OCBC NISP and also Relationship Officer in Maybank Indonesia.

Richard studied International Civil Law and holds Bachelor of Law (LLB) from Universitas Kristen Indonesia.

Khairil Anwar
Advisor Financial Literacy & Regulatory Framework
Rika Saskia
Advisor of Credit Policies
Advisor Financial Literacy & Regulatory Framework

Khairil Anwar

As the Advisor Financial Literacy and Regulatory Framework, Khairil plans and create a syllabus, supervise the execution of the Client's Financial Literacy Education programme. He also review the results and propose improvements for the programme, and help the Client liaise with regulators on pending regulations for peer to peer lending.

Khairil is currently an Independent Commissioner of PT Commonwealth Indonesia. He also hold Vice Chairman position of STIE Indonesia Banking School Jakarta. He was a Coordinator of Bank Indonesia for Kalimantan district as an Executive Director since 1981 until 2013.

Khairil graduated from Faculty Economy of Universitas Gadjah Mada as a Bachelor, and hold a Master Degree of Hult Business School in Boston USA.

Advisor of Credit Policies

Rika Saskia

As Advisor of Credit Policies, Rika is responsible for advising the team in credit risk related area, to ensure it is prudent and managed within the company credit risk appetite in supporting sustainable business growth.

Rika was the Executive Director for Credit Risk in UOB Indonesia and Standard Chartered credit operation, fraudm and analytics team. Prior to that, she was the Quality Director for GE Capital Indonesia, Finance Director for Faber Castell GMBH Distributor in Indonesia and Operation Head for Citibank Indonesia. She started her career as auditor in Arthur Young International. She is currently the Senior Partner in Solid Consulting Indonesia.

Rika graduated from faculty of Economy University of Indonesia. She holds Omega certification and is a Master Black Belt who has led various projects related to business process improvement and re-engineering as well company merger and acquisition.

Jim Geovedi
Entrepreneur IT Security, Xynexis
Ivan Lutfi
Fraud & Operations
Entrepreneur IT Security, Xynexis

Jim Geovedi

In KoinWorks, Jim provides advise and guidance to the team in developing the system architecture, building and launching products involving Machine Learning, Natural Language Processing and Generation.

In the last two decades, Jim has been known for his works in Computer and Telecommunication Security, and Data Science. His insights have been featured on BBC, Forbes, Reuters, The Register, Wall Street Journal.

Fraud & Operations

Ivan Lutfi

As Operation, Collection & Fraud Head, I am responsible for developing andmanaging the strategy for customer expectation and business risk.

Before KoinWorks, I was heading variant position in finance institution at multinational company.

Ivan holds a Bachelor Informatic Managementgit of Computer Science for STI&K Gunadharma; Business Management, Elicos Program & Business Course, Holmesglen College & Tafe Melbourne.

Rifan Kurnia
Data Scientist
Nico
Advisor - Health Care
Data Scientist

Rifan Kurnia

As the Data Science advisor, Rifan provides advice for data science and analytics related strategy.

Rifan is currently a Data Scientist in one of the leading technology and telecommunication company in Indonesia, managing several strategic projects for the company. Prior to this, he was a Senior Analyst in Analytics team for Citibank. In this role Rifan led some analytics projects that brought significant leverage for customer acquisition, product deepening, and customer satisfaction, for which he earned local and global awards. Before joining Citibank, he was in the Accenture Risk Analytics team.

Rifan holds BSc in Statistics and MSc in Applied Statistics.

Advisor - Health Care

Nico

As the Healthcare Advisor, Nico advises the Company on Health care financing and advising the development of the KoinWorks Health-care financing product.

Nico has held several positions in various industries including management consulting, education and one of the largest hospital groups in SEA.

Nico graduated with honours and received his Bachelor of Business Administration with specialization in Risk Management from Rotterdam Business School, The Netherlands.