Syarief Kamal

About Me

I’m a backend engineer with 3+ years of experience in fintech and banking, working on payment systems, credit bureau integrations, and KYC flows.

I started in core banking before moving into fintech at Skor Technologies in early 2025, where I worked on credit bureau, payment, and KYC systems for a credit checking app. Most recently, I spearheaded the development of PantoSource at Pantomartech from the ground up as part of a small engineering team. PantoSource is an ad tracking and signal enrichment platform that helps ecommerce brands capture conversion data that standard browser pixels miss. Across these roles, I’ve found that I enjoy being part of the discussion. I care not only about how we build something, but also why we are building it and what problem it solves. That perspective shapes how I take ownership. I stay close to systems through development and after they ship, so I can see what works in practice, what breaks, and how to improve them.

I’m currently looking for my next role. Connect with me on LinkedIn.

Experience

  1. Pantomartech — Software Engineer

    Feb 2026 – Present

    One of two engineers building Pantosource, a pre-production ecommerce analytics platform, across service architecture, dashboard analytics, and automated reporting.

    • Architected service boundaries across seven repositories, separating Core, BFF, analytics, and reporting concerns.
    • Designed a multi-tenant analytics foundation powering 86 widgets with store-scoped access and six-currency reporting.
    • Built a concurrent reporting pipeline that reduced PDF generation time from 8–9 seconds to 2–3 seconds.

  2. Skor Technologies — Backend Engineer

    Feb 2025 – Feb 2026

    Sole backend engineer for Skorlife, owning payments, credit-bureau integrations, onboarding, and service reliability for a credit-checking product serving 2M+ users.

    • Led the Midtrans SNAP Checkout integration, increasing payment success rate by 25% and reducing transaction fees from 12% to 2%.
    • Built backend auto-fill for Skorcard, reducing the application flow from 6 fields to 1 and driving 7.5× more submissions.
    • Improved backend reliability for 2M+ users, raising crash-free sessions from 98% to 99.94%.

  3. Bank Sinarmas — IT Core Banking

    Feb 2023 – Feb 2025

    Developed and maintained transactional systems for Syariah core banking, covering payments, interbank processes, product flows, and operational monitoring.

    • Developed a Syariah-compliant QRIS payment system on Temenos T24, serving 100K+ users.
    • Introduced real-time monitoring across 10+ conventional and 10+ Syariah services, replacing 5–10 minute manual checks.
    • Resolved Nostro/Vostro account-code issues affecting 150+ accounts, ensuring accurate interbank transaction records.