Vikas Z. is an experienced machine learning engineer currently serving as the Lead Machine Learning Engineer (SDE 4) at Kredivo Group since October 2024. Previously, Vikas held the position of Lead Engineer - Machine Learning at Sense from September 2022 to September 2024, where significant achievements included successfully passing the Architecture Review Board for production deployments and implementing engineering observability tools. Vikas began as a Machine Learning Engineer at Skillate from December 2019 to September 2022, contributing to AI solutions through client interactions and optimizing AI services. Earlier roles include Software Developer at Skillate, Software Engineer at CrowdANALYTIX, and Software Engineer at Tech Mahindra, with a strong focus on Python, Django, and cloud platforms. Vikas holds a Bachelor of Engineering in Computer Science from PES Institute of Technology & Management, SHIVAMOGA, completed in 2016, and completed secondary education at Jawahar Navodaya Vidyalaya, Dharwad.
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Kredivo Group
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Kredivo Group is Southeast Asia’s leading provider of digital financial services through its brands Kredivo, KrediFazz and Krom. Kredivo is the leading digital credit platform in Indonesia and Vietnam that gives customers instant credit financing for ecommerce and offline purchases, and personal loans, based on real-time decisioning. Kredivo users can buy now and pay later across the entirety of Indonesia’s retail commerce network with one of the lowest interest rates amongst digital credit providers in the country. Krom Bank Indonesia (formerly known as Bank Bisnis Internasional, IDX: BBSI) is the group’s bank entity and the operator of the soon-to-be-launched Indonesian neobank Krom. Kredivo Group is backed by leading financial and strategic investors such as Mizuho Financial Group, Square Peg Capital, Jungle Ventures, Naver Corp, Mirae Asset, Telkom Indonesia and Victory Park Capital among others.