Hi, I'm Muhammad Iqbal Nazulis

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Building scalable systems with Go, Java, and distributed technologies | 5+ years of experience

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Muhammad Iqbal Nazulis - Backend Engineer

About Me

I'm a Software Engineer with over 5 years of experience specializing in backend development using Go and Java. My expertise lies in building robust microservices architectures and scalable systems using PostgreSQL, MySQL, MongoDB, Redis, and Kafka. I'm passionate about system design, performance optimization, and ensuring code quality through code reviews and best practices.

Beyond coding, I'm committed to continuous learning and driving innovation in the IT industry. I focus on staying updated with emerging technologies. My approach combines strong problem-solving skills, critical thinking, and a dedication to delivering high-quality products that make a real impact.

Technical Skills

Languages

  • Go
  • Java

Databases

  • PostgreSQL
  • MySQL
  • MongoDB
  • Redis

Technologies & Frameworks

  • Apache Kafka
  • RESTful APIs
  • gRPC
  • Microservices

Tools & DevOps

  • Git / GitLab
  • Docker
  • Swagger

Featured Projects

VAT Payment Integration System

Squad Lead | LinkAja
Go PostgreSQL Redis Kafka
VAT Payment Integration System Architecture

Led the implementation of an automated VAT (Value Added Tax) payment integration system with the tax payment aggregator. Architected APIs and systems handling 11% VAT collection for cross-border merchant transactions, tax reimbursements, and integration with government tax authorities. Guided the squad through the full development lifecycle from requirements to production deployment.

Key Achievements:

  • Designed and implemented automated VAT calculation flow for LinkAja's WCO(web based payment) transactions
  • Built H+1 batch processing system using Kafka for tax payment information submission to the aggregator
  • Developed refund reconciliation mechanism handling decline and chargeback scenarios
  • Designed tax record database with immutable audit logs, transaction lineage tracking, and optimized indexing for the aggregator reporting
  • Integrated tax collection with a seamless user transaction experience
  • Ensured compliance with government tax regulations and reporting requirements

Technical Challenges Solved:

  • Designed and implemented secure authentication system supporting onboarding workflows and transaction-level authorization
  • Implemented distributed transaction handling for tax collection across microservices architecture
  • Built a robust reconciliation system for handling refunds and chargebacks with tax reversals
  • Implemented comprehensive logging and monitoring for tax compliance

Payment Gateway Orchestration Platform

Squad Lead | LinkAja
Go PostgreSQL Redis Kafka
Payment Gateway Orchestration Platform Architecture

Developed and maintained LinkAja's Payment Gateway platform serving as an orchestrator for digital payments between partners and multiple payment sources. Built scalable APIs supporting both SNAP and Non-SNAP protocols, integrating with 5+ payment providers including e-wallets (GoPay, OVO, ShopeePay, DANA), credit/debit cards, and banking systems.

Key Achievements:

  • Architected and deployed microservices with gRPC communication handling payment orchestration for multiple sources of funds (SoF)
  • Integrated 5+ payment providers including GoPay, OVO, ShopeePay, DANA, and major Indonesian banks
  • Implemented dual-gateway architecture supporting both SNAP and Non-SNAP protocols
  • Built an intelligent traffic routing system with configurable flags for seamless provider migration
  • Developed allowlisting mechanism for token migration ensuring zero downtime during provider transitions
  • Designed RESTful APIs for account binding, balance inquiry, and payment transactions

Technical Challenges Solved:

  • Implemented intelligent traffic routing with configurable flags and MSISDN allowlisting to orchestrate seamless provider migration while maintaining backward compatibility
  • Built resilient integration layer handling diverse API specifications across 5+ payment providers
  • Designed idempotent payment processing preventing duplicate transactions in a distributed environment
  • Created comprehensive error handling for third-party API failures
  • Implemented secure authentication and authorization for partner integrations
  • Built monitoring and alerting system for real-time payment transaction tracking across multiple providers

MyPaylater - BNPL Platform Integration

Squad Lead | LinkAja
Go PostgreSQL Redis
MyPaylater BNPL Platform Integration Architecture

Led the revamp and launch of LinkAja's Buy Now Pay Later (BNPL) feature "MyPaylater" integrated with Kredivo as the lending partner. Architected end-to-end user flows including registration, account activation, binding, and installment payment processing. Orchestrated the integration across multiple services, including mobile app's gateway and web's gateway enabling users to make purchases with flexible installment options directly through the LinkAja platform.

Key Achievements:

  • Led squad through complete BNPL feature revamp from requirement gathering to production launch
  • Designed and implemented seamless Kredivo account registration flow
  • Built dual-path user onboarding supporting both new registrations and existing account binding
  • Architected payment inquiry and installment confirmation flows with real-time balance checks
  • Integrated Kredivo's backend APIs for user authentication and account management
  • Implemented comprehensive error handling for third-party API failures and edge cases

Technical Challenges Solved:

  • Orchestrated integration between LinkAja and Kredivo's APIs, handling complex authentication, account binding, and transaction flows
  • Designed and implemented robust webview authentication and gateway services to ensure secure communication between frontend and backend
  • Managed stateful user journeys across multiple services, ensuring data consistency and a smooth user experience
  • Addressed security and compliance requirements for financial data, including untokenized account handling and secure API interactions
  • Built comprehensive logging and monitoring for tracking a user journey and debugging third-party integration issues
  • Coordinated multi-team collaboration, aligning product, and partner requirements into a unified delivery roadmap

SNAP Standardization Implementation

Backend Engineer | LinkAja
Go PostgreSQL OAuth 2.0
SNAP Standardization Implementation Architecture

Led the implementation of SNAP, Indonesia's National Standard for Open Payment APIs mandated by Bank Indonesia, at LinkAja's payment ecosystem. Built the gateway from scratch as the centralized HTTP gateway orchestrating API standardization. Developed SNAP-compliant APIs for multiple payment services including Virtual Account (VA), web-based payments (WCO), Direct Debit (DD), Enhanced Direct Debit (EDD), QR payments, and Payment Gateway (PG). Architected the complete integration framework enabling seamless partner onboarding through unified standardized APIs across diverse payment methods.

Key Achievements:

  • Built Borobudur gateway from scratch following clean architecture, serving as a centralized intermediary between clients and backend microservices
  • Developed SNAP-compliant APIs for VA, WCO, EDD, and other payment use cases
  • Integrated 5+ backend microservices via gRPC and REST including payment processing, authentication, transfers, and compliance services
  • Built a comprehensive OAuth 2.0 authentication system supporting both B2B and B2B2C token flows
  • Implemented 20+ standardized API endpoints across multiple payment domains ensuring Bank Indonesia compliance
  • Architected multi-partner integration framework is enabling external partners to connect using a unified SNAP standard

Technical Challenges Solved:

  • Designed and implemented SNAP-compliant APIs across multiple payment services while maintaining consistency and reusability
  • Architected gateway to orchestrate complex flows across 5+ microservices while maintaining clean separation of concerns
  • Implemented robust rate limiting, request validation, and secure error handling to prevent information leakage
  • Designed flexible routing system supporting diverse payment flows: direct debit, payment gateway, QR (MPM/CPM), virtual accounts, and bank transfers
  • Ensured backward compatibility while supporting evolving SNAP protocol versions (v1.0, v2.0) across all services
  • Implemented comprehensive logging, monitoring, and role-based access control for enterprise-grade security

Get In Touch

Feel free to reach out if you'd like to discuss potential collaborations or just want to connect!

✉️ inazulis@gmail.com 💼 LinkedIn Profile 💻 GitHub Profile
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