JakLoan

Traditional lending operations at Bank DKI were paper-heavy, manual, and slow, resulting in long turnaround times for credit underwriting and high risk-assessment overhead. To modernize, the bank needed to digitize its Micro, Syariah, and Multi-Purpose Loan (KMG) origination workflows. The technical challenge was to build a mobile platform from scratch that could collect complex collateral appraisals in the field, calculate dynamic loan structures, fetch OJK SLIK credit records, and validate applicant identities in real time—all while enforcing the strict data privacy, offline capabilities, and security standards mandated for financial institutions.

As the sole Android Developer, I developed the credit application process for JakLoan and architected and built JakLoan KMG from the ground up. My contributions included:

• Architecture & State Management: Established a robust codebase using Clean Architecture and MVVM natively in Kotlin, utilizing Dagger Hilt for dependency injection, and leveraging Kotlin Coroutines and Flow for reactive network handling.
• Feature Development: Built modular systems for geo-tagged on-site visits, dynamic collateral checklists (vehicles, shops, property), OCR biometric verification integrated with the Dukcapil database, and automated offering letter (SPPK) document generation.
• Security Implementation: Enforced a zero-trust network layer by coding SSL Certificate Pinning for bank domains, creating dynamic JWT authentication interceptors, and implementing granular platform security permissions.

Successfully launched the mobile digital lending platform, transitioning Bank DKI’s credit origination from a slow paper-based workflow to a highly automated digital system. Enabled credit officers to perform real-time pre-screening, identity verification, and collateral valuation directly in the field, reducing overall loan approval cycles from days to minutes. Shipped production-ready apps while leaving a highly maintainable, modular codebase positioned for future scaling.