Xendit provides payment infrastructure across Southeast Asia and is expanding to Greater China and LATAM. We process payments, power marketplaces, disburse payroll and loans, provide KYC solutions, prevent fraud, and help businesses grow exponentially. We serve our customers by providing a suite of world-class APIs, eCommerce platform integrations, and easy to use applications for individual entrepreneurs, SMEs, and enterprises alike.
Our main focus is building the most advanced payment rails for Southeast Asia, with a clear goal in mind — to make payments across and within SEA simple, secure and easy for everyone. We serve thousands of businesses ranging from SMEs to multinational enterprises, and process millions of transactions monthly. We’ve been growing rapidly since our inception in 2015, onboarding hundreds of new customers every month, and backed by global top-10 VCs. We’re proud to be featured on among the fastest growing companies by Y-Combinator.
Xendit is looking for a driven Product Manager to lead our risk product suite. Leading a dedicated risk engineering and data science squad, you will own the roadmap and execution for merchant onboarding, transaction fraud prevention, and credit risk models. Your goal is to build scalable infrastructure that minimizes financial loss while providing a seamless experience for legitimate merchants and buyers across Southeast Asia.
Key ResponsibilitiesRoadmap Execution: Own, iterate, and deliver the data-driven product roadmap for risk infrastructure, prioritising across fraud, onboarding, and credit pillars based on business impact while continuously monitoring key metrics like chargeback rates, fraud false-positives, and onboarding cycle time.
- Fraud Prevention: Real-time risk engines and machine learning models for transaction monitoring.
- Seamless Onboarding: Identity verification (KYC/KYB) workflows that reduce merchant friction and ensure compliance.
- Credit Risk Management: Lending and settlement risk models to assess and mitigate financial exposure related to merchant payout cycles and transactional settlements.
Experience: 5+ years of Product Management experience, specifically within Fintech, Payments, or Risk domains, including a track record of driving roadmap and execution for cross-functional squads (engineers, data, commercial) through influence rather than formal authority.
Data & Communication: Strong analytical skills to independently query data, translate complex metrics into product decisions, and clearly communicate technical concepts to non-technical stakeholders.
Domain Knowledge
Credible, hands-on expertise in at least two of the following:
- Payments fraud prevention and transaction monitoring.
- Merchant onboarding and digital identity verification (KYC/KYB), including a working understanding of the regulatory implications (e.g. AML, local data privacy requirements).
- Credit risk assessment, lending models, and merchant settlement risk, including familiarity with related regulatory considerations.
Skills Required
- 5+ years Product Management experience within Fintech, Payments, or Risk domains
- Solid understanding of at least one core area: payments fraud prevention and transaction monitoring; merchant onboarding and digital identity verification (KYC/KYB); or credit risk assessment and lending models
- Experience working with data scientists, complex APIs, and rule engines
- Strong analytical skills to query data, translate metrics into product decisions, and communicate technical risk concepts to non-technical stakeholders
- Exposure to build-vs-buy vendor evaluations
What We Do
Xendit is a financial technology company that provides payment solutions and simplifies the payment process for businesses in Indonesia, the Philippines and Southeast Asia, from SMEs and e-commerce startups to large enterprises. Xendit enables businesses to accept payments, disburse payroll, run marketplaces and more. The platform is known for its speed (fast integration, builds), simplicity (easy integrations, pricing), and world-class 24/7 customer support. Amidst the fragmented payment landscape in Southeast Asia, Xendit enables businesses to accept payments from direct debit, virtual accounts, credit and debit cards, eWallets, retail outlets, and online installments. Building the region’s digital payments infrastructure, Xendit is shaping the next generation of scalable businesses across Southeast Asia. Xendit is propelling the region's digital transformation by addressing access, reliability, and regulatory needs enabling more businesses to scale and thrive. As the first-ever Indonesian startup to graduate from YCombinator and backed by investors from Silicon Valley and Asia, including Kleiner and GGV Capital, Xendit powers some of Southeast Asia’s fastest-growing brands including Traveloka, Transferwise, Wish, and Grab.
.jpeg)
