About Us

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Benedicto Haryono
Chief Executive Officer & Co-Founder
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Bernard Arifin
Chief Operating Officer
Chief Executive Officer & 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.

Chief Operating Officer

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.

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Timotius Rinaldo
Chief Technology Officer
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Jonathan Bryan
Chief Marketing Officer
Chief Technology Officer

Timotius Rinaldo

As the CTO, Timotius is responsible to oversee all technical aspects of the company and ensures the product vision to be achieved.

Before KoinWorks, Tim worked at GiftCard Indonesia as their Head of Engineering for three years. In total, Tim has more than 15 years of experience as Senior Software engineer on real time trading and digital payment business.

Tim graduated from BINUS University and hold bachelor degree of Information Technology.

Chief Marketing Officer

Jonathan Bryan

As CMO, 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.

Jonathan graduated from Swiss German University, majoring in Mechatronics Engineering.

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Barry
Project Manager
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Johan
Senior Programmer
Project Manager

Barry

As the Project Manager, Barry makes sure that all projects can run smoothly by connects and communicates.

Barry worked at Accenture for four years as a Software Engineering Analyst, after that he worked as Product Manager in two different startups before finally joining KoinWorks.

Barry hold bachelor degree in Computer Science from BINUS University.

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.

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Noviyanto Ewanjaya
Head of Business Development
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Jeremy Gemarista
Team Leader for SME Relationship Manager
Head of Business Development

Noviyanto Ewanjaya

As the Head of Business Development, Noviyanto is responsible for managing and developing overall business lines and find new leads for the company.

Before joining KoinWorks, Noviyanto was one of the Product Development Associate at Crowdo, a Crowdfunding company based in Singapore. Noviyanto also has more than four years’ experience working in multinational banks.

Noviyanto graduated from BINUS University, majoring in Information System.

Team Leader for SME Relationship Manager

Jeremy Gemarista

As the Team Leader for SME Relationship Manager, Jeremy is in charge for acquiring new potential partners as well as maintaining.

Before Joining KoinWorks, Jeremy was Business Banking Relationship Manager at Bank Mandiri, where he worked there for eight years. Before that, he was a Market Researcher working at Private Research Company for two years.

Jeremy graduated from BINUS University, majoring in Management.

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​Debby Lufiasita
Head of Communication
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Vania Amelia
Head of Design
Head of Communication

​Debby Lufiasita

As The Head of Communication, Lufiasita is responsible for managing the public relations aspect within the company. She is in charge for building and sustaining company's reputation.

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.

Head of Design

Vania Amelia

As The Head of Design, Vania is responsible for developing and managing all aspects of our design and creative output.

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.

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Ahmad Rosyiq
Data Engineer
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Walter Pinem
SEO & Content 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.

SEO & Content Manager

Walter Pinem

As SEO & Content Manager, 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

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Willy Arifin
Chairman & Co Founder
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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.

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Rika Saskia
Advisor of Credit Policies
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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.

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Ivan Lutfi
Fraud & Operations
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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.

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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.