Driving Financial

Stability for 150M+

Indonesian consumers
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 Financial inclusion for all!

“Pregnancy medication
wasn’t covered by my
insurance; I needed help
fast. JULO was there for
my family, and now we
“My paycheque was late
have a wonderful baby
and my son’s school fees
girl!”
were due. Banks
Sri W.
wouldn’t help, and other
apps have low plafonds.
JULO really saved the
day!”
“I opened a food stall Saiful M.
with my 6-month,
low-interest, JULO loan.
Now I’m able to provide
for my family and fulfill
my entrepreneurship
dream.”
Aliske D.

Business Capital Education Health Care

Digital financing opportunity in Indonesia: largest in SEA

~271M 30 5.2% $4,100

POPULATION MEDIAN AGE REAL GDP GROWTH GDP per Capita
Fast growing, young High proportion of Fast growing The highest amongst
middle class driving population in economy all emerging SE Asian
consumption workforce countries

Key Drivers of growth:

Nationwide presence
Unbanked population (2019) 43%
across all 34 provinces
Credit card penetration 2.4%
Mobile subscriber growth (2014-2019) 22% p.a.
Digital lending growth (2019-2025) 61%p.a.
Lending gap >US$80B Source:
World Bank Open Data 2021
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Knomad; government statistics; expert network; Bain and Temasek
The JULO Team

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● Established in 2017

● 4+ million customers
processed

● > 4T IDR disbursed

● Diverse team: 40% of

tech team are expats
Management team with domain expertise and
experience scaling fintech businesses
ADRIANUS HITIJAHUBESSY HANS SEBASTIAN MARTIJN WIERIKS
Chief Executive Officer (Co-founder) Head of Engineering (Co-founder) Chief Data Officer
Data & Risk Analytics at Capital One, Seasoned big data software Advanced analytics and
Product Analytics & Experimentation at eBay, engineer at Splunk Decision Support Systems at
Credit Scoring, Risk & Product Development Accenture
for emerging markets at Cignifi

LISTYO FEBRYANTONO MIKHAL ANINDITA

Head of Operations Head of Marketing
Collections & Ops executive at Managed media strategy for
leading financial organisations leading consumer brands

Team of

200
Experienced professionals
based in Indonesia
Engineering at JULO

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Engineering at JULO

● 60+ Engineers from Jabodetabek, Bandung, Jogja, Bali, Vietnam, and

India.
● Backend, Mobile & Web Frontend, QA, Scrum Master, Product Support,
DevOps, SRE, Security, and IT.
● 6 cross-functional Agile product feature squads with Product and Data.
● Jr. to Sr. Engineers as individual contributors, as well as Jr. Leads to
Eng Managers in the leadership track.

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Engineering Tech Stack
Frontend Engineering
JULO Android app
● Twice-a-month releases with QA regression tests,
maintaining 99.50% crash-free user and above 4.3
stars Play Store rating.
● Modularized large-scale codebase of 36 features and
core modules with Clean Architecture based MVVM
implementation.
● Implements on-demand modules, managing app size.
● Monitored with Firebase Crashlytics and Performance,
integrated with Firebase Remote Config, Google
Analytics, and advanced UX analytics tool.
● Using modern libraries like Chuck, Retrofit, Dagger for
maintainable codebase.
JULO Web apps
● Highly customizable web client for a number of
partners built on React with various reusable
components and utilities.
● Multiple webviews complementing some Android
screens for some flexible cases.
● Django based SSR internal CRM webapp used by 200+
agents.
● SEO optimized Drupal powered CMS for public facing
pages.
● Moving towards building comprehensive Design
System.
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Backend Engineering

Juloserver
● A single monolithic Django server for about 80+ django apps
modularizing backend services
● Exposing 950 REST API endpoints for Android app, internal CRM, partner
webapps, and various 3rd party callbacks using Django Rest Framework
running 120 requests/sec.
● Executing various background processes with ~380 Celery tasks
throughout the day averaging 130 tasks/sec.
● Storing data to 489 SQL tables all maintained with Django migration
and queryable using Django ORM.

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Engineering Values

Vision and Mission

With highly effective Engineering teams and extremely efficient
software delivery process, we continuously build & support
nationwide-scale digital financial services.

Values
● Strong ownership
● Systematic problem solving
● Excellent output for users and teams
● Communication for collaboration

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Data at JULO

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Data at JULO

● Experienced team

● Many use cases:

○ Credit scoring
○ KYC
○ Fraud detection
○ OCR
○ Collections
○ Customer service
○ Marketing
○ Finance

● 40+ ML models live in

production
Scalable and modern data and machine
learning stack

Highlights

5,000+
Features used in
Machine Learning

<2
seconds to score a
customer

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 Python use-case 4: Credit Scoring

Identity

Models Output
Fraud Behavior
1 - Credit model
- Fraud detection Customer
- Income & affordability Scorecard
- ID check & blacklist
ML Processes 2 - Facial recognition
Character Capacity
- Dynamic feature engineering
- Algorithm-agnostic modeling
- Automated ML
Data Sources
- Ensembling & hypertuning
- Validation & calibration 3 - Biometric
- Location
- Device usage history
- In-app behavior
- Transaction
- Social network
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Thank You

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Engineering Quality and Reliability

QA DevOps and SRE

● A single monolithic Django server for about 80+ django apps modularizing

● Process ●
backend services
Exposing 950 REST API endpoints for Android app, internal CRM, partner webapps,

● Automation
and various 3rd party callbacks using Django Rest Framework.
● Executing various background processes with ~380 Celery tasks throughout the
day
● Zephyr Test Cases ● Storing data to 489 SQL tables all maintained with Django migration and
queryable using Django ORM.

Agile Security

A single monolithic Django server for about 80+ django apps modularizing
● Scrum Master
●
backend services

● Squads IT Support

● Jira ● A single monolithic Django server for about 80+ django apps modularizing
backend services

● Ceremonies

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