About us:

Luno is the crypto investment app you can rely on, enabling you to buy, store and explore crypto securely. We’re committed to putting the power of cryptocurrency in everyone's hands sensibly and responsibly.

Since 2013, we’ve helped millions of people around the world invest safely in crypto. We do this by cutting through the hype and supporting customers at every step of the way. All products and cryptocurrencies on our platform must first meet stringent legal, risk and technical security standards. 

Transparency is key for us. Luno stores all crypto on a 1:1 basis and we have rigorous processes in place so you can be confident your investment is secure. We’re available in more than 40 countries around the world and we work closely with respective regulators in all of these markets to be fully compliant, as we believe this is the best way to help everyone, everywhere, invest safely.

The role in a nutshell:

We are looking for an experienced and driven OTC sales person to be a key part of our APAC OTC Sales Trading Team.

This is a pure "sales trader" role, needing a persistent business developer who enjoys finding new opportunities, signing new clients, and executing trades with precision and efficiency. You will handle the entire sales and trade execution process, from start to finish, focusing on growing Luno's business client base across the APAC region.

This role will be responsible for creating outreach plans, finding potential clients, negotiating detailed multi-product deals, and expertly helping clients through the setup process. You will also be responsible for understanding market dynamics, quoting competitive prices, and managing the execution of large block trades and complex hedging strategies. You must be a proven salesperson with a strong network of business contacts across APAC, comfortable selling complex financial products and good at explaining their value clearly. If you are excited by the sales process and know how to close deals and execute trades in a fast-paced environment, this job is for you.

Your mission will be:

- Qualify and onboard OTC Customers

• You’ll be an integral member of the sales team to identify customers who are actively searching for liquidity providers in both the USDT/IDR, BTC/IDR and other crypto space.
• Your primary focus will be on customers with large volume demands ($100k+ per week)
• Work with the Onboarding and Treasury Analyst teams to successfully onboard these customers

- OTC Trading Operations:

• Acting as the main point of contact for customers to execute large trades with them e.g. making and receiving OTC quotes to customers as well as sourcing counter-trades.
• Ensuring that any anticipated OTC trades are pre-funded or have adequate credit facilities available.
• Maintaining strong relationships with traders and institutional customers.
• Managing any OTC trade disputes and OTC Working Capital.
• Ensure the Analysts and back office are providing timely settlement through well-established and tech-enabled processes.

- Execution and Monitoring:  

• Execution of trades according to approved trading strategies.
• Execution of OTC trades and counter-trades.
• Execution of market counter-trades should match counter-trades fall through.
• Actively manage the Profit and Loss of the APAC OTC desk against P/L targets and risk limits.

- Trading Strategy Development:  

• Give input into trading strategies for FX and Crypto assets, with a focus on risk management and maximising profitability. 
• Develop and implement trading strategies tailored to the APAC market.

- Market Analysis:  

• Conduct in-depth analyses of digital asset markets to identify trends, opportunities, and potential risks.
• Stay informed about market news, regulatory changes, and other factors affecting digital asset prices.
• Collaborate with the Treasury team to incorporate any insights into decisions made across Luno.
• Ensure compliance with local regulations and internal risk management policies.

- Reporting and Documentation:  

• Ensure that Luno maintains accurate records of trades, P/L, risk, and performance metrics.
• Generate regular reports for stakeholders, summarising trading activities, performance, and market insights.

- Luno capacity build 

• Create high-level specifications for improvements to Luno’s Trading and Risk Systems.
• Give input into development of automated solutions. 
• Evaluate and motivate for improvement of the risk frameworks and risk models in order to adapt to changing market dynamics.

A little about you:

• Minimum of 2 years of trading experience within a brokerage or sell-side OTC trading desk in crypto (preferred), FX, equities or derivatives in Indonesia and/or other regions in APAC. 
• Multi-country experience is strongly preferred as there will be an opportunity to grow along with the Luno business. 
• Proven track record of onboarding and growing institutional client accounts, and exceeding sales targets.
• Derivatives arbitrage knowledge or experience would be a plus.
• Ability to adapt to a fast-paced and dynamic trading environment. 
• Compliance with regulatory standards and a commitment to ethical trading practices. 
• Strong attention to detail and accuracy in trade execution and documentation. 
• Excellent interpersonal and communication skills, a strong team player. 
• Friendly, transparent, articulate and driven to succeed. 
• A passion for crypto.
• Proficient in English and Bahasa Indonesia, both written and verbal

Preferred qualifications:

• Strong understanding of OTC trading, market structure, fiat infrastructure (e.g. local payment rails) and execution strategies.
• Familiarity with trading platforms and APIs.
• Strong client network in Indonesia and broader APAC region.

Life at Luno:

• Remote but reachable work policy gives you the freedom to choose between working from home or the office.
• Plus the option to buy and sell up to 5 days leave
• Improve body and mind, with excellent private medical insurance
• Access to Learnably and our additional learning platforms for your personal and professional development
• 6 months primary care-giver leave
• Paw-ternity leave for your furry friend
• Annual Inspiration Day in addition to your annual leave which increases based on your length of service! 
• A collaborative, friendly work community, with regular social events and virtual cooking, dancing, drawing and house planting classes hosted by our Lunauts
• Free lunch and snacks
• 0 fees up to a certain amount with Luno from the day you start.*

*Offer only available on Luno Instant Buy, not Luno Exchange.

We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, colour, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.

About the Team

We are looking for Software Engineers who want to go beyond just writing code — engineers who want to shape the backbone of modern fintech.

In Treasury and Financial Systems, every line of code you write directly impacts financial accuracy, liquidity, and trust. You’ll design and maintain systems that power reporting, reconciliation, and automation — the unseen yet critical infrastructure that keeps digital finance running smoothly.

It’s an opportunity to work at the intersection of engineering, finance, and operations. You’ll collaborate with Operations, Finance, and Compliance, taking ownership of projects end-to-end, and learning how technology safeguards hundreds of millions in financial flows.

What You Will Do

• Build reporting platforms that ensure compliance and precision. You’ll learn how to design systems where accuracy is paramount.
• Develop dashboards and monitoring systems that track and reconcile assets vs. liabilities — giving the company the confidence to scale products backed by real liquidity.
• Build automated reconciliation systems — the foundation of every fintech. You’ll learn how to detect, investigate, and resolve mismatches across internal and external financial systems.
• Create systems that take manual accounting work off the table by automatically generating journal and ledger entries into ERP and treasury platforms.
• Work closely with Finance, Treasury, Data, and Compliance to transform domain-heavy requirements into elegant, scalable technical solutions.
• Implement real-time monitoring and anomaly detection for treasury operations — so issues are caught before they become problems.

What We’re Looking For

• 1 year of software engineering experience, fresh graduated are welcome to apply
• Proficiency in Ruby on Rails or Golang (both is a big plus).
• Strong data analysis skills: BigQuery, SQL optimization, dbt, and familiarity with OLTP/OLAP tradeoffs.
• SQL and database design expertise.
• Experience building and consuming RESTful APIs, ideally in a microservices architecture.
• Proficiency in CI/CD pipelines and Git workflows.
• Strong English communication skills, both written and spoken.
• Bonus: familiarity with Agile, fintech, or financial systems.

What You Will Gain

• Deep domain expertise — You’ll learn how financial systems really work under the hood: reconciliations, liquidity, compliance, and reporting.
• High ownership environment — You won’t be a cog in the machine. You’ll drive projects that directly influence how money moves across products and markets.
• Cross-disciplinary learning — You’ll partner with Finance, Treasury, and Compliance teams, giving you rare exposure outside the typical software silo.
• Impact at scale — The systems you build safeguard trust in financial products used across Southeast Asia.

Nice to Haves

• Experience integrating ERP finance modules.
• Experience with digital wallets, bank payment rails, or blockchain.
• Knowledge of financial audit and reporting principles.

About the Role

We’re hiring a Product Manager to drive AI-enabled trading capabilities across OTC, FX, liquidity management, and external financial integrations. Embedded within the Trading Desk domain, you’ll partner closely with Product, Engineering, Operations, Business, and external partners to build scalable, reliable financial infrastructure. This mid-level individual contributor role offers strong ownership over features and execution, ideal for someone analytically sharp, hands-on, and comfortable operating in a fast-paced, regulated fintech environment.

What You Will Do

• Own and shape trading product capabilities across OTC workflows, FX pricing, liquidity sourcing, and execution systems.
• Turn complex business and AI-driven needs into action by translating requirements into clear PRDs, user stories, and delivery plans.
• Build intelligent, scalable solutions by partnering with engineering and data teams on AI-assisted trading features.
• Drive execution and impact by managing product priorities in line with trading strategy and operational goals.
• Enhance risk and exposure monitoring by identifying automation and AI opportunities to improve speed and accuracy.
• Champion data-driven performance by analyzing metrics to improve trading efficiency and mitigate operational risks.
• Enable seamless integrations by collaborating with internal teams and external partners such as banks, liquidity providers, and custodians.

What We Are Looking For

• 3–5 years of experience as a Product Manager (or similar role) in fintech, payments, trading, or financial infrastructure.
• Strong analytical thinking and problem-solving skills; comfortable working with numbers, flows, and edge cases.
• Experience in independently drafting PRDs and managing product delivery with minimal supervision.
• Experience working on data-driven or AI-assisted product features (e.g. automation, recommendations, anomaly detection).
• Basic trading knowledge is required — e.g. personal trading experience or hands-on exposure to trading products.
• Experience or exposure to payments, digital assets, trading, or treasury operations (reserve management, funding, rebalancing, or similar) is a plus.
• Familiarity with financial partners (banks, liquidity providers, custodians) is highly desirable.
• Ability to communicate clearly with both technical and non-technical stakeholders.

About the Job

You are looking for a challenge, eager for a fast-paced startup environment that will push you out of your comfort zone, where learning happens. Most importantly, you’re a problem solver with exquisite attention to detail , unafraid to get technical to understand the root cause of an issue.

The Financial Operations team manages all customer funds across the region, ensuring that funds are placed appropriately, liquidity is managed correctly, transactions are reconciled and all manual operations to support customer fund flows are executed to an extremely high standard.

As we expand across more countries, we have developed a global offering (“Global Accounts”) for our merchants, allowing them to move funds seamlessly across currencies and leverage any of Xendit’s global services from within one dashboard. This role will be the main owner of all regional fund flows, overseeing float management, liquidity forecasting, day to day operations, cross border and FX operations. The focus will be on the strategy and management of this, while execution will primarily be done by the existing operations team.

If you can be accurate and detail-oriented under pressure, are always reliable, collaborative, and love the dynamic environment of operations, we want to hear from you. Bonus points for those who love challenging the status quo.

Minimum Qualifications

• Graduate of Management, Accounting, Finance, or a similar course, with 5-8 years of relevant experience in a start-up/fast paced environment or within the payments, fintech, or financial services spaces
• At least 3 years working in cross-border and FX operations
• Able to get your hands dirty, getting into the weeds of the operations to ensure they are done in the most efficient and effective manner
• Comfortable dealing with large datasets and data analysis
• Constantly looking to push the bar and increase standards of operations
• You have a discerning ability to prioritize workload in line with tight deadlines and work effectively under pressure
• You are a team player and communicate well with internal and external stakeholders
• You have great ownership mentality and have proven you can push towards a goal by yourself
• You pick up new skills quickly using a combination of self-exploration and relationship building
• You are detail-oriented and able to manage multiple priorities while maintaining quality work
• Detail oriented, can see patterns in data/information or notice when something is amiss
• Located in Jakarta, Bangkok, Manila or Kuala Lumpur

Preferred Qualifications

• Experience working in or dealing with banks or large financial institutions
• Experience with SQL or visualization tools (e.g. Looker)
• Experience in managing a Finance / Financial Operations team of 4-6 people
• Experience managing a geographically dispersed team

Responsibilities

Design & execute the fund management & liquidity strategy for Global Accounts operations

• Understand all fund flows, their volumes, and their liquidity requirements, in order to design the right strategy to support these operations
• Design & execute on the strategy to manage liquidity in the most operationally and cost effective manner for Xendit. Adjust strategy as needed
• Monitor funds across the region through the day to ensure correct allocation across accounts and currencies

Monitor Global Accounts & FX operations to ensure seamless execution

• Execution of Global Accounts & FX operations will be done by the existing Financial Operations team. Oversee and guide the operations to ensure that there are no errors or disruptions to merchant flows
• Create or update SOPs as required to correct operations and ensure they all follow best practices
• Address and manage any operational issues or escalations independently

Operational improvements & reporting

• Focus on the processes and tooling to enable the execution of cross border fund flows and liquidity operations
• Report on Global Accounts operations and liquidity statuses to the Financial Operations Head and to broader leadership as required
• ⁠⁠Own and drive Global Accounts & FX metrics such as efficiency and accuracy

Work closely with various internal teams to drive success

• The reconciliations of all fund flows are done by a centralised team. Work closely with this team on all Global Accounts / FX recons to ensure they have the information they need and to address any questions / unreconciled items that arise
• As the product continues to evolve, partner closely with the product team to give feedback on the product and provide FinOps’ input and requests, to ensure future builds and evolutions meet our operational requirements
• Solve complex problems by working across product, regional partnerships, treasury, compliance, sales and growth teams to ensure FinOps is able to support all aspects of our Global Accounts

Do whatever it takes to make Xendit succeed