About Us

Benedicto Haryono
CEO & Co-Founder
Bernard Arifin
COO
CEO & Co-Founder

Benedicto Haryono

As the CEO & 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.

COO

Bernard Arifin

As COO, Bernard is responsible for overseeing ongoing business operations and procedures and ensuring the efficiency of the business.

Prior to KoinWorks, Bernard was the Credit Analyst Head in UOB Indonesia for SME segment. Before that, he managed Credit Risk Policy and Portfolio in Commonwealth Bank and Permata Bank. He started his career as Compliance Specialist in ANZ Indonesia.

Bernard holds MBA from University of International Business and Economy, Beijing.

Willy Wirawan
CTO
Jonathan Bryan
Head of Marketing
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.

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.

Johan
Senior Programmer
Ezra Akwila Jusuf
Head of Business Development
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.

Head of Business Development

Ezra Akwila Jusuf

As the Head of 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.

Bentar Dwika
AI Researcher
Tyas Suci
Psychologist
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

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.

​Agus Andri Putra
Front End Developer
Noviyanto Ewanjaya
CX/UX Manager
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 UIN Sunan Gunung Djati in Bandung Before joining with KoinWorks, Agus also worked for some freelances to develop website​ from local to international company.

CX/UX Manager

Noviyanto Ewanjaya

As CX/UX Manager, Noviyanto is responsible for conducting market research, conceptualizing and executing 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.

Ahmad Rosyiq
Data Engineer
​Debby Lufiasita
Public Relation Manager
Data Engineer

Ahmad Rosyiq

As Data Engineer, Rosyiq collects and extracts data from any source and makes insight analysis to later be used on taking important decision by UI/UX researcher, Marketing Team, Fraud & Risk Team of KoinWorks. Rosyiq is responsible to make sure that those processes are correctly and smoothly performed.

Before joining KoinWorks, Rosyiq worked at Publish What You Pay Indonesia as IT & Open Data Officer, where he made data analysis for Open Data portal and issues in Extractive Industries, manage database quality, and web & digital marketing analyst in that issues.

Rosyiq graduated a Bachelor of Informatics Engineering from Telkom University. As Data Enthusiast, Rosyiq had conducted some researches on Data Analyst and Open Data during his time in university.

Public Relation Manager

​Debby Lufiasita

As a Public Relations Manager, Lufiasita is in charge for building a good relationship with local and national media by connecting with them. She is also responsible in creating press release material, developing proposal, planning, scheduling, and controlling KoinWorks’ events, and doing the PR Value analysis.

Before joining KoinWorks, Lufiasita was the PR & Media Relations for PR Agency Jakarta, a Public Relations Consultant who can help clients to shape and communicate the personality of the corporation and brand suited to their target audience. She has been making a career in a public relations firm, where she was a senior media relations for two years in PR Agency Consultant Jakarta and a PR freelancer for another one year.

Lufiasita graduated from Faculty of Communication Multimedia Nusantara University Gading Serpong Tangerang, majoring in Journalism.

Chandra Hermawan
Graphic Designer
Vania Amelia
Graphic Designer
Graphic Designer

Chandra Hermawan

As the Graphic Designer, part of Marketing division, Chandra is responsible for creating promotional materials such as photographs, video and image editing, infographics design, and more. As the man behind the designs, he has to clearly communicate the goals of the company.

Before joining KoinWorks, Chandra was a Content Associate at Bornevia for months. He was working with the Content team and responsible for creating designs to enrich the contents and boost the visualization.

Chandra holds a BA in Communications from Telkom University, Bandung.

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.

Walter Pinem
SEO Content Writer & Community
Intan Ramlin
Social Media Manager
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

Social Media Manager

Intan Ramlin

As a Social Media Manager, Intan is responsible for managing, planning, executing, and boosting KoinWorks presence on major social medias to ensure all the users feel connected with the company.

Before joining KoinWorks, Intan has been working with several organizations and companies during college. She was a digital marketing strategist at a travel company.

Intan holds a Bachelor Degree in Law as a Cum Laude graduate from Hasanuddin University.

Annisa Pratiwi Sudibyo
HR Specialist
Arista Andiana
Business Development Specialist
HR Specialist

Annisa Pratiwi Sudibyo

As an HR Specialist, Annisa is responsible for managing all HR related matters and working across all HR disciplines. She is in charge of doing talent acquisition and recruitment process, employee onboarding, building company policies and processes, and implementing all HR initiatives.

Before joining KoinWorks Annisa was double hatting as Talent Acquisition Coordinator and Onboarding Specialist in one of multinational banks in Jakarta where she acted as a focal point of contact for onboarding new hires and complete all talent acquisition end-to-end process for new hires and internal moves.

Annisa was awarded a full scholarship for her bachelor degree and graduated from Bakrie University, majoring in Business Management.

Business Development Specialist

Arista Andiana

As a Public Relations Manager, Lufiasita is in charge for building a good relationship with local and national media by connecting with them. She is also responsible in creating press release material, developing proposal, planning, scheduling, and controlling KoinWorks’ events, and doing the PR Value analysis.

Before joining KoinWorks, Lufiasita was the PR & Media Relations for PR Agency Jakarta, a Public Relations Consultant who can help clients to shape and communicate the personality of the corporation and brand suited to their target audience. She has been making a career in a public relations firm, where she was a senior media relations for two years in PR Agency Consultant Jakarta and a PR freelancer for another one year.

Lufiasita graduated from Faculty of Communication Multimedia Nusantara University Gading Serpong Tangerang, majoring in Journalism.

Willy Arifin
Chairman & Co Founder
Khairil Anwar
Advisor Financial Literacy & Regulatory Framework
Chairman & Co Founder

Willy Arifin

As the Chairman & 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.

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.

Rika Saskia
Advisor of Credit Policies
Jim Geovedi
Entrepreneur IT Security, Xynexis
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.

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.

Ivan Lutfi
Fraud & Operations
Rifan Kurnia
Data Scientist
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.

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.

Nico
Advisor - Health Care
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.