You will get Business Strategy / Digital Transformation / Financial Services Advisory
Project details
You will receive executive level business strategy and digital transformation advisory backed by more than 20 years of leadership experience in banking, fintech, business development, governance, and risk management.
Unlike generic consulting services, my approach focuses on practical implementation, measurable business impact, and strategic decision making. I have worked across multiple functions from sales and business development to risk management and C-level leadership giving me a comprehensive understanding of how organizations grow while maintaining sound governance.
Whether you are a founder, executive, financial institution, fintech company, or SME preparing for growth, expansion, or transformation, I will provide actionable insights tailored to your specific challenges and objectives.
My goal is to help you make better strategic decisions, strengthen your organization, and build a sustainable path for long-term success.
Unlike generic consulting services, my approach focuses on practical implementation, measurable business impact, and strategic decision making. I have worked across multiple functions from sales and business development to risk management and C-level leadership giving me a comprehensive understanding of how organizations grow while maintaining sound governance.
Whether you are a founder, executive, financial institution, fintech company, or SME preparing for growth, expansion, or transformation, I will provide actionable insights tailored to your specific challenges and objectives.
My goal is to help you make better strategic decisions, strengthen your organization, and build a sustainable path for long-term success.
Industry
Cryptocurrency & Blockchain, Ecommerce, Financial Services, Government & Public Sector, SoftwareWhat's included
| Service Tiers |
Starter
$150
|
Standard
$450
|
Advanced
$950
|
|---|---|---|---|
| Delivery Time | 3 days | 5 days | 7 days |
Live Consultation (Minutes) | 60 | 90 | 120 |
About RJ
Certified Fintech Executive | Strategic C-Level Leader in Indonesia
Jakarta, Indonesia - 10:03 pm local time
I am a seasoned fintech executive with a proven track record in leading market entry, securing regulatory approvals, and building scalable, compliant operations in Indonesia's financial sector.
🔹 2x OJK Registration Success (Indonesia’s Financial Services Authority)
I successfully led two separate fintech entities—Jeff App and Newline Fintech—through the full licensing process with OJK, including regulatory strategy, documentation, and compliance implementation. This makes me one of the few professionals with firsthand experience in obtaining multiple OJK registrations for foreign-backed fintechs.
🔹 Certified Director by AFPI (Indonesian P2P Lending Association)
As an officially certified Director under AFPI, I bring deep regulatory knowledge of peer-to-peer lending in Indonesia, including POJK 10/2022, reporting frameworks, AML/KYC, and risk governance.
🔹 Go-to-Market & Operational Leadership
At Jeff App, I launched and scaled Indonesian operations from scratch—covering licensing, product-market fit, local partnerships, and user acquisition. My problem-solving approach earned high praise from CEO Toms Niparts, who described me as “a true example of a person finding solutions for every problem, sometimes in the most unexpected of ways.”
🔹 What I Offer on Upwork:
End-to-end regulatory advisory & OJK licensing support (P2P, aggregator, digital lending, embedded finance)
Market entry strategy and execution for fintech startups entering Indonesia
Legal & compliance review (POJK, AFPI guidelines, data protection, etc.)
Fractional COO / Country Representative services for fintechs expanding to Southeast Asia
🌍 With strong local insight and international execution experience, I help global fintechs navigate Indonesia's regulatory landscape and scale responsibly.
Let’s work together to bring your fintech vision to life in one of Southeast Asia’s most dynamic markets.
Steps for completing your project
After purchasing the project, send requirements so RJ can start the project.
Delivery time starts when RJ receives requirements from you.
RJ works on your project following the steps below.
Revisions may occur after the delivery date.
Review Business Needs
I will review your objectives, challenges, and supporting documents to understand your current business situation
Conduct Strategic Analysis
I will analyze your business model, identify opportunities and risks, and prepare tailored recommendations