Hi, I am Muhammad Reza Hardiansyah

Principal Engineer,
Digital Banking.

Driving Fintech Innovation.

Visionary Technology Leader with 11+ years of experience in banking & fintech. Specializing in Digital Transformation, Enterprise Architecture, and Payment Gateway Integration. Trusted by C-Level management to steer critical digital initiatives at BSI.

Official at PT. Bank Syariah Indonesia
Certified Secure Computer User (CSCU)
Magister Management (M.M) Candidate
02. Strategic Value & Collaboration

"Why Collaborate with Me?"

I offer a unique blend of Strategic Vision and Operational Execution. Whether you are an Investor looking to de-risk your tech portfolio, or a C-Level Executive needing a crisis manager, I provide tangible value.

Currently active at BSI. Open for Advisory Roles, Fractional CTO engagements, or Strategic Consultations outside operational hours.

For Investors / Founders

Technical Due Diligence, Fractional CTO services, MVP Architecture validation, and Scaling strategies. I ensure your capital isn't wasted on over-engineering.

For Corporate Leaders

Digital Transformation Consulting, Command Center Setup, Operational Readiness Frameworks, and Crisis Management for critical launches.

03. Featured Strategic Case Studies
CRISIS MANAGEMENT & LAUNCH

Operational Readiness: BYOND SuperApp

Orchestrated the operational backbone for Indonesia's largest Islamic Banking SuperApp. Led the Tech War Room, managed cross-functional escalations to C-Level, and defined End-to-End Monitoring protocols. Ensured 99.9% availability during the critical launch phase.

War Room Lead Service Mapping Crisis Protocols
GOVERNANCE & RESILIENCE

Digital Channel Excellence & Resilience

Transforming digital operations through rigorous governance, innovative tooling, and 24/7 strategic monitoring. Executing a dual role as Governance Officer and Digital Engineer to ensure operational stability and continuous system improvement, exceeding strategic targets.

Governance Tooling Leadership
FOUNDATION & GROWTH

Enterprise Payment Ecosystem

The foundation of digital revenue. Architected the API Portal & Sandbox and integrated a diverse ecosystem of partners (Marketplace, Telco, Fintech). Proven track record in critical Task Forces (Aceh ATM Crisis, Bansos) leading to professional hire recommendation by Board of Directors.

API Ecosystem Crisis Task Force Revenue Generator
04. Other Selected Projects

A selection of technical projects demonstrating versatility across Banking, Government, and Sports Infrastructure.

Startups

Digital Platforms

Developed Rumah Tiket (Ticketing), Mimin.io, and e-Library systems.

Fullstack Platform Dev
Infrastructure

PON PAPUA 2019-2021

Managed Server infrastructure for KONI PAPUA and built the Athlete Achievement & Monitoring System for the National Sports Week.

Server Admin Monitoring System
Enterprise Solutions

Multifinance Systems

Developed DOMINIC (Document Policy) & CORSEC (Corporate Secretary) for BFI Finance, and KMS for Maybank Finance.

Web App Knowledge Mgmt
Government

E-Government Apps

Developed e-Planning for Padang Lawas & Procurement Systems (LKPP) for District Governments to streamline public sector operations.

E-Gov Procurement
05. Professional Experience

Digital Channel & Services Officer

PT. Bank Syariah Indonesia Tbk.
  • ▹ Strategic advisor to Senior Management (SEVP/Directors) on digital service reliability & incident analysis.
  • ▹ Operational Readiness Lead for Superapp (BYOND), ensuring seamless public launch and stability.
  • ▹ Managing monthly E-Channel Performance Reports (Availability & Reliability) directly used for executive decision making.

SPV Digital Engineer & Digital Monitoring

PT. Bank Syariah Indonesia Tbk.
  • ▹ Orchestrated the Tech War Room setup for major launches, coordinating cross-functional teams for rapid incident resolution.
  • ▹ Pioneered the bank's First Digital Command Center, establishing new standards for real-time monitoring.
  • ▹ Implemented robust monitoring frameworks (Dynatrace, Elastic, Grafana) ensuring 99.9% system uptime.

API & Payment Specialist

PT. Bank Syariah Mandiri
  • ▹ Designed and launched the Bank as a Service (BaaS) Portal & Sandbox for BSM & BSI partner ecosystem.
  • ▹ Spearheaded integration of Multiple External Partners, accelerating the integration lifecycle.

Backend & Server Side Engineer (Mobile Banking)

PT. Bank Syariah Mandiri
  • ▹ Architected the First Backoffice System for Mobile Banking channels, streamlining channel management.
  • ▹ Pioneered the Push Notification System integration for Mandiri Syariah Mobile.
  • ▹ Backend Development for Mandiri Syariah Mobile (MSM).

IT Manager / Tech Architect

PT. Adibrata Optima Solusi
  • ▹ Led R&D teams for Knowledge Management systems in major financial institutions.
  • ▹ Developed KMS for Maybank Finance & Document Management for BFI Finance.

Enterprise IT Architect

PT. Nawa Data Solutions
  • ▹ Designed & oversaw technology infrastructure and software systems for financing operations.
  • ▹ Fullstack Development (.NET & React Native) for PT. BFI Finance & Coca Cola Amatil audit projects.

Early Career Foundation

Various Software Houses
  • ▹ Full Stack Programmer at PT. Newton Cipta Informatika, PT. Karya Digital Global, & PT. Konekthing.
  • ▹ Built E-Gov apps (LPSE), Ticketing Systems, and Marketplace platforms using PHP, CI, and Android Native.
06. Certifications & Awards

Certified Secure Computer User v2 (CSCU)

EC-Council - ID ECC6075849132

Microsoft Technology Associate (MTA)

Networking Fundamentals - ID wmTz2-4SCU

Software Development Fundamentals

BNSP (Programmer) - ID 62010 2514 4 0001745

Certified Public Speaking Professional

IEEEL INSTITUTE - CPSP-038072021

Problem Solving & Decision Making

SRZ Consulting - ID SRZ-OT-394-10-2023

DevOps Fundamentals

Dicoding - ID MRZMD4L0NZYQ

Let's Connect

Open for Collaboration

Interested in discussing digital transformation, banking system architecture, or strategic opportunities? Let's connect.

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