How a culture of radical candor and battle-readiness builds resilience: On Call with AwanTunai co-founder and CPO Windy Natriavi Part 1


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2020 has been an unimaginably challenging year for tech startups. Even with the digitalization opportunities opened up by the impact of COVID19, founders navigated uncharted territory when it came to managing remote teams, acquiring and retaining clients, and fundraising in the new normal. From their experiences many inspiring stories of resilience have emerged, and to close 2020 we tell one such story from our portfolio.

Despite the negative impact of COVID on lending and financing businesses in Indonesia, AwanTunai has been able to grow their loan book 2x, secure an OJK lending license and raise a $20 million debt facility all while keeping their NPLs below 1%. They also leveraged on the COVID opportunity to digitize more services for SMEs, introducing new products like AwanToko and AwanGrosir.

And who better to get on-call from AwanTuani than a leader who's been driving this growth on-the-ground? Windy Natriavi, AwanTunai's chief product officer and co-founder, shares with us the ingredients for AwanTunai's resilience. This call was recorded 26th of November, 2020. Read the transcript here.


00:59 Windy's 2020 and Intro;

02:44 What are the key factors that enabled AwanTunai to be resilient?;

04:17 AwanTunai's company culture;

07:46 How Windy's Gojek career influenced her AwanTunai leadership;

09:49 How to embrace a culture of radical candor;

12:45 Windy's approach to hiring product roles;

About our guest

Windy Natriavi is the Chief Product Officer and a co-founder of AwanTunai. before AwanTunai, she was part of Go-Jek's early management team co-founding and becoming VP of GoLife, and then VP of Growth, the team behind Go-Jek's first promo engine, referral engine, and cross sell voucher systems.

Previously, she was an analyst at McKinsey and she graduated from the prestigious University of Indonesia with a degree in finance. And as you mentioned earlier, aside from leading product and growth from one to nine these days, she is also co-founder and CEO of, WomenWorks, a women-first connection marketplace in Southeast Asia.


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The content of this podcast is for informational purposes only, should not be taken as legal, tax, or business advice or be used to evaluate any investment or security, and is not directed at any investors or potential investors in any Insignia Ventures fund.

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