Rafely Chandra Rizkilillah

At Amartha Financial, I architect and own Single API, a central payment orchestration layer for cash-in, cash-out, QRIS, remittance, and e-wallet flows across business units. I’ve built vendor-agnostic integrations, payment state validation, idempotency controls, and automated settlement reconciliation.

I’ve delivered QRIS acquiring and issuing integrations, multi-provider remittance with BRI, Digiasia, and FLIP, and e-wallet funding services for hundreds of thousands of retail investors. My work has prevented transaction losses, enabled payment-channel expansion, and supported zero-downtime core banking migration.

I work across Go, PostgreSQL, Kafka, Kubernetes, Terraform, Vault, and GCP to make financial systems observable, secure, and resilient. I also lead incident response, write RCAs and technical RFCs, and have led a team of four engineers.