What Does JULO Do?

Total employees835
HeadquartersKota Jakarta Selatan
Founded2016

JULO (PT JULO Teknologi Finansial) is an Indonesian financial technology company dedicated to providing accessible and innovative digital credit solutions to empower individuals across Indonesia. Founded in 2016, JULO offers a range of services through its mobile application, including unsecured personal loans, pay-later options, and bill payment facilities. The company's mission is to advance financial inclusion by leveraging technology to reach underserved and underbanked populations, providing them with responsible and transparent credit products. JULO is committed to continuous innovation, data-driven risk assessment, and enhancing financial literacy among its users.

Where Is JULO's Headquarters?

HQ Function

The headquarters serves as the central hub for JULO's core operations, including strategic planning, product development, engineering, data science, marketing, customer operations, and corporate functions.

Notable Features:

Located in the modern EightyEight@Kasablanka complex, the office likely features contemporary design, collaborative workspaces, and state-of-the-art technology infrastructure conducive to a dynamic fintech company.

Work Culture:

JULO fosters a fast-paced, innovative, and collaborative work environment. The culture emphasizes agility, data-driven decision-making, customer-centricity, and a strong sense of mission towards improving financial inclusion in Indonesia.

HQ Significance:

The Jakarta headquarters is crucial for JULO, enabling close collaboration with regulatory bodies, financial partners, tech talent, and positioning the company at the forefront of Indonesia's digital finance transformation.

Values Reflected in HQ: The headquarters' location in a prime business district and modern facility reflects JULO's commitment to professionalism, innovation, technological advancement, and ambition for growth.

Location:

JULO's primary operational focus and customer base are concentrated within Indonesia. While its services are tailored for the Indonesian market, the company operates within the global fintech ecosystem, attracting international investors and potentially collaborating with global technology partners. Functions supported are primarily for the Indonesian market, including digital lending, online credit, bill payments, and financial education initiatives.

Street Address:

EightyEight@Kasablanka Office Tower A, Lantai 25 Unit E, Jl. Casablanca Raya Kav. 88

City:

Kota Jakarta Selatan

State/Province:

Daerah Khusus Ibukota Jakarta

Country:

Indonesia

Where Else Does JULO Operate Around the World?

Various cities, Indonesia (Undisclosed Locations)

Address: Specific addresses for regional operational hubs are not publicly listed.

To enhance service delivery, improve customer accessibility in diverse regions, gather local market intelligence, and support merchant partnerships or field operations effectively across Indonesia's archipelago.

Buying Intent Signals for JULO

Highperformr Signals uncover buying intent and give you clear insights to target the right accounts at the right time — helping your sales, marketing, and GTM teams close more deals, faster.

Notable news
Hiring actively
Corporate Finance
Corporate Finance
Corporate Finance
Corporate Finance
Corporate Finance
*Example signal, not calculated in real time

Who's Leading JULO? Meet the Executive Team

As of April 2025, JULO' leadership includes:

Adrianus Hitijahubessy - Co-founder & Chief Executive Officer
Andre Sebastian - Chief Financial Officer
Nimish Dwivedi - Chief Business Officer
Manoj A. Vaswani - Chief Risk Officer
Kenneth Kou - Chief Technology Officer

Who's Investing in JULO?

JULO has been backed by several prominent investors over the years, including:

Credit Saison
Saratoga Investama Sedaya
AC Ventures
Quona Capital
East Ventures
Gobi Partners
Skystar Capital
IFC (International Finance Corporation)
Convergence Ventures

What Leadership Changes Has JULO Seen Recently?

Hire0
Exits0

Publicly available information and news sources do not indicate major, officially announced executive hires or departures at JULO within the last 12 months. The company generally maintains a stable leadership team focused on its strategic objectives in the Indonesian market. Any significant changes are typically communicated via official press releases.

What Technology (Tech Stack) Is Used byJULO?

Discover the tools JULO uses. Highperformr reveals the technologies powering your target accounts — helping your sales, marketing, and GTM teams prioritize smarter and close faster.

JULO Email Formats and Examples

JULO's corporate email addresses likely follow common professional patterns. While specific internal structures can vary, a frequent format for companies like JULO is using the employee's first name and last name, or first initial and last name, with the company domain.

[first].[last]@julo.co.id

Format

john.doe@julo.co.id

Example

70%

Success rate

What's the Latest News About JULO?

Marketing.co.id / Top Brand AwardFebruary 20, 2024

JULO Recognized with Top Brand Award 2024 for Online Loans

JULO received the prestigious Top Brand Award 2024 in the Online Loan (Pinjaman Online) category. This award underscores JULO's strong brand presence, customer trust, and market leadership within Indonesia's competitive digital lending landscape, based on nationwide consumer surveys....more

DailySocial.idOctober 26, 2023

JULO's Strategy to Expand Digital Financial Product Reach in Indonesia

JULO outlined its strategy for expanding its digital financial product offerings and increasing its reach across Indonesia. The company focuses on continuous innovation, including features beyond lending such as bill payments and top-ups, to serve more underbanked consumers and enhance financial literacy....more

TechCrunchApril 6, 2022

JULO, an Indonesian P2P lending platform, gets $80M Series C led by Credit Saison

JULO secured $80 million in a Series C funding round, co-led by Credit Saison. The funding comprised $30 million in equity and $50 million in debt facilities, aimed at expanding its services and reaching more underbanked individuals in Indonesia....more

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