Credit Analyst - Lending
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.
About the Job
As a vital member of our team focused on mitigating credit risk for Xendit's credit-related products, you will collaborate closely with the product team to develop innovative solutions and create data-driven policies. Your role is instrumental in minimizing credit risk across Xendit's credit products, ensuring they remain secure and reliable.
Minimum Qualifications
- Fluent in written and verbal English.
- 2+ years of proven track records in credit risk analysis, business lending savvy with sufficient knowledge of consumer lending and other lending segments.
- Demonstrated ability to work diligently and a willingness to learn from individuals of various backgrounds.
- Agility and adaptability to handle diverse tasks as needed.
- Effective communication skills, facilitating collaboration across teams.
- A history of autonomy and goal-driven achievement.
Preferred Qualifications
- Preferably have business experience in consulting, banking, private equity fund, fast-growing startup, financing companies, etc.
- Bonus points for experience in consulting, payments, or banking, particularly if you have insights into core banking systems.
Responsibilities
In this role, you will be responsible for the following key tasks:
- Creditworthiness Assessment:
- Analyze and assess the creditworthiness of both new and existing clients.
- Credit Strategy and Policy:
- Design and implement credit strategies, policies, standard operating procedures, and guidelines.
- Contribute to building, testing, developing, validating, and monitoring comprehensive credit scoring models to support credit decisions.
- Policy Adherence and Feedback:
- Ensure adherence to established policies and procedures within the division for smooth operations.
- Provide feedback and recommendations regarding current procedures and policies, identifying implementable improvements.
- Risk Identification and Mitigation:
- Identify and provide feedback on potential risks and implement proposed solutions.
- Account Monitoring:
- Monitor accounts, including cash flows, repayments, account behavior, and compliance with specified covenants.
- Ensure that the portfolio remains within acceptable credit and compliance standards.
- Commitment to Success:
- Embrace a "do whatever it takes" attitude to contribute to Xendit's overall success.
- Do whatever it takes to make Xendit succeed.
