Xendit is hiring a

Regional Risk Operations Manager

Jakarta, Indonesia

Xendit provides payment infrastructure across Southeast Asia, with a focus on Indonesia, the Philippines and Malaysia. 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.

The Role

Reporting to our COO, you would be part of the team that leads policy and process creation as well as operational execution for mitigating merchant related risk, particularly in merchant fraud for our payment products. You would help the design and implement new policy and processes by working closely with leadership, data, and product teams. You would lead operational execution through managing the team that owns identifying and mitigating merchant risk at onboarding, flagging potential fraud, investigating, and actioning on escalations.

Help us be the fintech start-up of choice that champions forward innovation while ensuring our services are well-protected and secure for our clients and their users.


  • Create policy and support processes
    • Work closely with our data team to identify and analyze current fraud patterns in the SEA market that arise from our payment products (Cards and alternative payment methods, such as virtual accounts, e-wallets, direct debit, etc)
    • Create strategies to mitigate risk in a data-driven way that balances growth and risk in all parts of the customer journey (KYC, onboarding, post-live)
    • Work closely with our product and operational teams to ensure processes are scalable
    • Formalize processes and procedures via documentation 
  • Manage operational execution
    • Manage a team handling shifts for risk and fraud prevention, identification, and investigation, and actioning
    • Liaise with other related teams or external parties to investigate and resolve fraud cases
    • Work on the regionalization of our risk operations team as we scale beyond Indonesia & Philippines
  • Do whatever it takes to make Xendit succeed

What we’re looking for


You are willing and able to...

  • Act as a creative hustler - you might not have done it before, but you're willing to try something different to get it done
  • Autonomously push towards a goal by yourself - you take initiative, show ownership and are committed to challenging the status quo
  • Work in a fast paced environment - you can take feedback and iterate on your work quickly


You have…

  • 5 - 7 years of experience working in startups, consulting, banking, preferably within the SaaS or financial services industry
  • Expertise in fields such as:
    • Risk management, preferably in alternative payment methods. Experience in Cards payments is a plus.
    • Operational process improvements, preferably via automation
    • Project management
  • At least 2 years managing a team

Relevant Skills

You are…

  • Able to solve problems in a manner that is autonomous, structured, and detail oriented
  • An exceptional communicator that can manage stakeholders across cross-functional teams
  • Able to iterate quickly and accurately on feedback 

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