H. Jodhi A. Sardjono, S.T., M.Sc.
Visionary Product Leader & Acquisition Entrepreneur
Country Manager at UmrahCash | Wakil Kepala Eksekutif Aset Digital dan Kripto at AFSI | President at Shafa | Book Author
About Me
I'm a Product Leader and Entrepreneur specializing in fintech, web3, AI, and sharia compliance, with a proven track record in building and scaling impactful products.
My experience spans leadership roles in top tech companies like LinkAja Syariah (scale from 40,000 users to 6 million users in 2 years), Tokopedia (save thousands of hours by cutting >50% CS tickets), and Pluang.
As Founder & CEO of Swapper, I've helped more than $13.5 million in remittance between Indonesia and Saudi Arabia, focusing on cross-border remittances for Umrah and Hajj providers.
I am committed to advancing Islamic finance and blockchain, actively serving as Chairman of Asosiasi Blockchain Syariah Indonesia and President of Shafa (an Islamic community).
Professional Experience
My career journey spans across various leadership roles in technology and entrepreneurship.
UmrahCash
March 2025 - Present | Country Manager
November 2024 - March 2025 | Advisor
Leading operations and strategy for UmrahCash in Indonesia.
D3 Labs
August 2024 - March 2025 | Product
Leading products. Helping global investors to buy and stake real world asset tokens issued by renowned Indonesian financial institutions, with enterprise-grade products: Coral (Asset Tokenization platform) and EVM L1 Hybrid Blockchain Seaseed Network.
Swapper
September 2022 - November 2024 | CEO & Co-Founder (Acquired)
Built financial infrastructure for umrah/hajj industry. Like Wise for business, but powered by crypto. Helped ~17,000 pilgrims, >50 B2B clients, and $13.5M of remittance value.
LinkAja
April 2020 - April 2022 | Head of Product Sharia Paytech Unit & Various Roles
Led initiatives in Core Services, Sharia Financing, Halal Merchant, Community Ecosystem. Contributed to 30,000% user growth since launch of LSLA.
Tokopedia
January 2019 - April 2020 | Senior Product Manager & Product Manager
Led Payment Tools Initiatives in Payment as a service division. Cut down Payment CS Tickets by more than 50% in around 3 months.
Skills & Education
Top Skills
Languages
Education
Master of Science (MSc), Innovation and Entrepreneurship
LPDP Scholar
Sarjana Teknik (S.T.), Computer Engineering
Graduated with cum laude honors
Certifications
Publications & Achievements
A publication exploring innovative product differentiation strategies through color coding systems.
Research on innovative models for Waqf (Islamic endowment) marketplaces, exploring digital transformation opportunities.
An exploration of how Islamic social finance principles can contribute to achieving the UN's Sustainable Development Goals.
Get In Touch
Interested in connecting? Feel free to reach out through any of the channels below.