Credit Operation Lead - Experiments
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
Our Experiments team builds growth engines for Xendit through experimental products. We do this by pushing the frontiers of what is possible in the industry and creating modern solutions to old problems. As part of the Experiments team, you may become part of a team that builds from 0 to 1, from 1 to 1,000, or from 1,000 to the moon. It requires flexibility and adaptability to take on new challenges in order to grow an early-stage product.
To build from the ground up, we take ideas, customer pain points, or gaps in the market, push out an MVP at speed and iterate to find product-market fit. This team presents a unique opportunity for people who are looking to build something new, rather than scaling mature products. People who join this team have a strong interest in growth (personally and professionally) and, therefore, a continuous improvement mindset.
We're looking for a passionate Credit Operation Lead in our Experiments team to build and scale our credit operations in credit underwriting, loan servicing, and portfolio management while ensuring compliance with regulatory requirements and internal policies.
Minimum Qualifications
- At least 4 years of experience in consumer credit operations
- Strong analytical skills to track performance metrics and improve operational efficiencies
- Proven ability to design and manage scalable operational workflows in a fast-paced environment
- Proficiency in tools like Excel, SQL, or operational systems (e.g., decisioning software)
- Familiarity with regulatory requirements for credit and lending operations in Indonesia
- Strong capability to collaborate effectively with internal stakeholders and external partners
Preferred Qualifications
- Experience in managing credit portfolios with a focus on balancing risk and profitability.
- Hands-on experience managing diverse credit operation scopes and handling various consumer lending product types
- Demonstrated success in reducing delinquency rates through innovative and effective operational strategies
Responsibilities
- Collectively build a credit business from the ground up with new, innovative products not yet available in the market
- Implement and manage end-to-end credit operations processes including underwriting operations, loan servicing, portfolio management, and collections
- Establish robust quality control processes to ensure accurate policy execution and adherence to SLAs for credit decisioning and servicing
- Monitor operational KPIs, analyze portfolio performance, and identify early warning to mitigate risks
- Work with credit risk, policy, product, and engineering team to optimize decisioning processes, address operational challenges, and enhance policy effectiveness
- Maintain operational risk controls and compliance with regulatory requirements
- Develop and implement strategies to manage collection effectively
- Oversee regulatory reporting operations and manage relationships with third-party service providers such as collection agencies, verification partners
