Mochammad Zachri
I architect production fintech systems
and lead teams that ship them.
Engineering leader with 10+ years building scalable financial platforms.
I turn complexity into reliable, high-throughput systems people depend on.
- 10+ years
- Building production fintech systems
- 5 engineers led
- Led engineering teams and drove delivery
- Nearly 2M JAGO Sharia users
- Platform scale delivered in production
Lead Software Engineer — Experiments
Top Global Payment Gateway
2025—Now
Building a retail financial aggregator across savings and credit products.
Owned architecture, platform strategy, and end-to-end delivery.
Recent experience
I build and operate financial systems where architecture, regulation, and production reliability meet. My recent work spans retail financial aggregation, Open Banking, Core Banking integration, payments, and fraud detection.
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PresentLead Software Engineer — Experiments
Top Global Payment Gateway
- Architect and develop a retail financial aggregator connecting customers with multiple banks for savings and credit products.
- Lead five engineers, translating customer needs into reliable backend services and timely delivery.
- Contribute directly to SNAP banking interfaces, credit risk, regulatory compliance, system design, and production support.
TypeScript
Node.js
React
Go
PostgreSQL
Redis
AWS -
Senior Software Engineer — Experiments
Top Global Payment Gateway
- Built an Open Banking service with Bank Sahabat Sampoerna to provide banking services to multiple partners.
- Led two engineers and one DevOps engineer toward a scalable architecture and production delivery.
- Owned retail Open Banking integrations, system design, and critical production support.
TypeScript
Node.js
React
Python
PostgreSQL
Redis
AWS -
Senior Engineer
PT Dkatalis Digital Labs
(Bank Jago Tech Hub)- Contributed to the core development and launch of JAGO Sharia, which scaled to almost two million users.
- Engineered QRIS, BI-FAST Sharia, Fraud Detection System, and Core Banking integration within the Money Movement clan.
- Resolved complex production issues to preserve reliability and seamless transactions.
TypeScript
Flutter
Kotlin
MongoDB
PostgreSQL
Redis
Kafka
GCP- Bank Jago jago.com Google Play App Store
Earlier career · 2014–2021
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Tech Lead & Co-FounderPT Indie Marketindo Ceria
Built an ERP × POS × online store × marketplace platform from scratch, led a multidisciplinary team of 1–15 people, and scaled infrastructure supporting approximately 700 fashion retail stores across Indonesia.
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FSB Inventory Management
Inventory platform with modules for mutation, purchasing, sales, stock opname, reporting, price analysis, and master data.
CodeIgniter · Mithril · JavaScript · MariaDB
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Indie Omnichannel ERP & POS
ERP for day-to-day operations, a point of sale for the shop floor, and an online store as another sales channel.
PHP · TypeScript · MongoDB · MariaDB
indieomnipos.com
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Software EngineerPT Visinesia Digital Media
Developed a live-streaming service with integrated advertising management and ran backend operations for concert and wedding broadcasts.
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Software EngineerPT Digitama Teknologi
Maintained Karciscus.com and its ticketing infrastructure for events including World of Ghibli, Afgan Concert, and Color Run.
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Karciscus
Event listings and ticket purchase for shows including Colour Funwalk, Howl's Moving Castle, Burgerkill, and the World of Ghibli Jakarta exhibition.
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World of Ghibli JKT — Volunteer Dashboard
Dashboard for volunteer workloads and job assignments.
CodeIgniter · MySQL · JavaScript
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Web DeveloperPT Konsep Digital Indonesia (Qwords)
Improved operational efficiency through the Qwords Dashboard, an internal SSO platform, and third-party integrations including PANDI and Microsoft.
- Qwords qwords.com
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Software EngineerPT Digita Media Utama
Developed mobile games, a stock-photo marketplace, point-of-sale software, and a cinema platform while supporting holding-company infrastructure.
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Jurig Nation
Turn-based fighting game with ghost-themed characters.
Cocos2d · C++
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Gambar Kata
Draw-guessing game.
Objective-C · Node.js · MongoDB
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Company Profile — Cloud Ocean
Company-profile site built from a supplied design.
HTML · CSS · JavaScript
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Kaninga Movie Player
Scheduled cinema player, based on VLC, with an admin dashboard.
C++ · PHP · JavaScript · MongoDB
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Depasaraya
Grocery marketplace.
PHP · MySQL · JavaScript
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Web DeveloperPT Indomatrix Mediatama
Redesigned a quick-count application and built client demonstrations and products across hospital management, e-commerce, marketplaces, and banking services.
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Company Profile — Indomatrix
Company-profile site.
HTML · CSS · JavaScript
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House Developer Customer Dashboard
Customer dashboard for tracking house-construction progress.
PHP · JavaScript · jQuery
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Pulpul HLR Management
Dashboard for a phone-number database organized by HLR.
PHP · MySQL · JavaScript
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Hotel Website
Hotel site with online booking. Unpublished after the client cancelled.
PHP · MySQL · JavaScript
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Rumah Kaos 3D
Clothing catalogue and showcase.
PHP · MySQL · JavaScript
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Quick Count
Quick-count site used during an Indonesian presidential election.
HTML · CSS · JavaScript
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MedikaCom
New-student registration platform.
PHP · JavaScript
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POLDA JABAR Inbox
Internal mailing desk that assigns letter numbers between divisions.
PHP · JavaScript
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Bandoeng Info
News portal about Bandung.
PHP · JavaScript
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Systems expertise
Hands-on architecture stays close to delivery. I work across service boundaries, data, infrastructure, observability, and the engineering practices required to keep production systems dependable.
Architecture
- Distributed systems
- Event-driven architecture
- Microservices architecture
- Database architecture & optimization
Financial systems
- Fintech & Open Banking
- Core Banking integration
- API design & development
- Fraud detection & compliance
Engineering practice
- Agile engineering leadership
- Cloud infrastructure & deployment
- System observability & monitoring
- Production support & reliability
TypeScript · JavaScript · Go · Python · PHP · Dart · Kotlin · Node.js · Flutter · PostgreSQL · MySQL · MongoDB · Redis · Elasticsearch · RabbitMQ · Kafka · AWS · GCP · Grafana · Sentry · GitLab · Harness
Projects
Work outside a single employer: a product of my own, and a small studio whose portfolio is worth reading with the roles above.
EntarAja — Reminder App
An end-to-end task application with automated reminders integrated with messaging services. I led the complete product lifecycle across backend infrastructure and UI/UX, including the PILO mascot and dynamic sticker states designed to encourage task completion.
TypeScript, Flutter, PostgreSQL, Redis, and RabbitMQ.
Managed self-hosted infrastructure from backend through deployment.
Published for Android on Google Play.
rieProjects
A small studio for operations systems, internal tools, mobile apps, and the public face of a business. The portfolio includes client work for PT Fajar Sejahtera Bersama . Operations, people management, field apps, and a company site and smaller products such as Purrlock. EntarAja, above, is part of the same studio.
rieprojects.comCourses & certifications
- LeSS in Action Bootcamp · Odd-e
- Learn Blockchain by Building Your Own in JavaScript · Udemy
- Microsoft Technology Associate · Microsoft