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Muhammad Arif P
@arifpratama886
Backend Developer
Indonesia
Indonesian, English
About me
I am a Backend Developer with over 7 years of experience in financial services, specializing in creating and optimizing enterprise applications like Loan Origination Systems. I am proficient in Golang, PHP, .NET, and SQL, with a focus on scalable API development, automation testing, and system reliability.
Skills
Muhammad Arif P
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Work experience
Back end developer
KB • Full-time
Sep 2018 - Dec 2025 • 7 yrs 3 mos
Back End Developer specializing in financial software development, loan management systems, and core credit operations. Key Responsibilities & Achievements: Designed, developed, and maintained core backend services for financial lending and credit origination systems. Built high-throughput RESTful APIs using Go (Golang) and PHP with Clean Architecture standards. Managed and optimized PostgreSQL and relational database schemas to ensure transactional data integrity and query efficiency. Implemented automated credit underwriting rules, risk evaluation scoring engines, and tiered approval matrices (RBAC). Integrated resilient network interceptors with automatic retry mechanisms for external financial third-party services.
