About the Job

We are looking for a Risk Operations Analyst to perform various merchant risk management activities at Xendit, including investigation of merchant-related risk alerts, reviewing and deciding on merchant requests for activating features and channels, updating transaction privileges, responding to risk-related queries from merchants and internal and external stakeholders, and managing other operational matters such as chargeback responses.

The role requires a strong ability to independently assess the context of the situation and alerts and apply sound judgment to decide the right course of action. This person needs to be proactive and have the acumen to apply risk management principles in varied situations. An ability to follow the standard operating procedures, owning the tasks and cases end to end, and the drive to bring cases to conclusion will be important requirements for this role.

The role will involve communication with teams across Xendit and with external partners and merchants. There will also be multiple priorities to manage. Clear and precise communication skills will be required as well as the ability to independently craft recommendations to senior stakeholders using risk protocols and SOPs instead of seeking constant direction.

Minimum Qualifications

• 2+ years of experience in Fraud Risk or Credit Risk specifically in Card Payments (acquiring/issuing) with strong exposure to Chargebacks and Disputes.
• Proven ability to identify high-risk merchants using transaction behavior, dispute trends, fraud signals, and compliance indicators.
• Hands-on experience performing merchant risk reviews and recommending appropriate risk mitigation actions.
• Deep understanding of the chargeback process and essential card scheme regulations, particularly those for Visa/Mastercard/JCB.
• Ability to conduct basic data analysis and structure the investigations in an organized way.
• Ability to work independently take ownership, and drive cases from detection to closure with minimal supervision
• Excellent communication skills with the ability to write clear investigation summaries and communicate decisions to internal stakeholders.
• Ability to understand and follow the standard operating procedures and risk protocols

Preferred Qualifications

• Bachelor’s degree
• Experience with risk operations and conducting fraud investigations and assessments
• Familiarity with Cards Products and handling chargeback operations including reconciliation
• Strong desire to learn and agility to apply basic concepts to multiple situations

Responsibilities

• Follow SOPs and conduct fraud and credit risk investigations triggered through alerts, dispute spikes, abnormal transaction behavior, and merchant risk signals.
• Monitor merchant performance and trends to identify high-risk merchants early and take appropriate mitigating actions to reduce fraud and chargeback exposure.
• Independently coordinate with internal and external stakeholders to drive investigations to closure, ensuring clear documentation, evidence collection, and decision traceability.
• Assess requests from merchants and internal stakeholders for enabling payment channels, features, and limits by performing risk assessment and recommending controls (limits,reserves, holds, enhanced monitoring, etc.)
• Follow the SOPs and manage daily chargeback operations including coordinating with multiple bank partners, internal stakeholders, and merchants.
• Manage weekly chargeback reporting. 
• Collaborate with cross-functional teams (Operations, Compliance, Support, Merchant Success) to improve risk controls, SOPs, and preventive measures.
• Do whatever it takes to make Xendit successful

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.

This role specifically is to run the FX and Cash Management teams for our sister entity, DragonPay, while still reporting regionally into the Xendit Head of FinOps. The DragonPay team currently operates independently of Xendit, but the goal is to align our operations across entities and use best practices from each to raise the bar.

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 6-8 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
• Experience in managing a Finance / Financial Operations team of 6-8 people
• 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 Manila, able to go to the DragonPay office in Marikina daily

Preferred Qualifications

• Experience working in or dealing with banks or large financial institutions
• Experience with SQL or visualization tools (e.g. Looker)
• At least 3 years working in cash management / treasury operations

Responsibilities

Oversee & execute the fund management & liquidity strategy for DragonPay operations

• Understand all fund flows, their volumes, and their liquidity requirements, in order to build on the existing strategy to support these operations
• Enhance the existing strategy to manage liquidity in the most operationally and cost effective manner for Xendit. Adjust strategy as needed
• Monitor funds through the day to ensure correct allocation across accounts
• Train the team on how to manage liquidity so they grow into operating more independently

Monitor FX operations to ensure seamless execution

• Execution of 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
• ⁠⁠Own and drive Cash Management & FX metrics such as efficiency and accuracy

Work closely with various internal teams to drive success

• Work closely with relevant stakeholders to ensure all operations are smooth and all Cash Management / FX transactions are correctly reconciled
• As our products continue 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 set up for success

Team management

• Manage and guide team members to grow within Xendit and scale up their skillset
• Mentor junior team members and ensure their work is delivered to a high standard
• Coach more senior team members to level up, become people managers, and take on additional responsibilities

Do whatever it takes to make Xendit succeed

The Role

• Our team is looking for a highly organized and detail-oriented Accounting Associate to join the Philippines Finance team. The Accounting Associate will be primarily in-charge of filing paperwork and maintaining accurate records for the Revenue to Cash Receipts and Procurement to Pay processes. You will ensure that all documentation is properly organized, easily accessible, and compliant with internal control policies and local statutory requirements.

Outcomes

• Accurately file and organize Invoices, Acknowledgement Receipts, and Billing Statements in both physical folders and digital drives.
• Match, attach, and file vendor invoices with their corresponding BIR Form 2307s and proofs of payment.
• Maintain a neat and secure archiving system for both hard copies and digital backups, making sure files are kept for the duration required by the Company and external regulators.
• Be the go-to person for tracking down source documents quickly during internal checks, external financial audits, or BIR reviews.
• Help the accounting team meet month-end close and tax deadlines by pulling the right files and schedules exactly when they need them.
• Do whatever it takes to make Xendit succeed.

What we’re looking for

Experience

• You are a graduate of Accounting or a related business course. 
• You have a year of experience in Philippines bookkeeping or administrative roles handling financial documents. 
• Experience with document management, and filing systems is highly preferred.
• You reside within Metro Manila, preferably living near BGC, Taguig. 

Behaviors and Relevant Skills

• You are detail oriented and able to manage multiple priorities while maintaining quality work.
• You are highly organized with a systematic approach to filing and document control.
• You are a team player and communicate well with internal and external stakeholders.
• You have a discerning ability to prioritize workload in line with tight deadlines and work effectively under pressure.
• You have a great ownership mentality and have proven you can push towards a goal by yourself.

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

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.

As a Financial Operations Associate, you will be part of the Financial Operations team responsible for ensuring the seamless flow of funds for the countless transactions happening on the Xendit platform daily. This role will be part of a new subteam being formed within FinOps to own reconciliations across the entire organisation, driving high impact across the region by ensuring all funds are moving as they should and we have full oversight over all movements.

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, and 1-3 years of relevant experience in a start-up/fast paced environment or within the payments, fintech, or financial services spaces
• Excellent verbal and written communication skills in English 
• Working knowledge of Microsoft Office Suite
• You are detail oriented, can see patterns in data/information or notice when something is amiss
• Located in Jakarta, Indonesia

Preferred Qualifications

• Experience working in or dealing with banks or large financial institutions
• You have the initiative to continually ask questions and look for answers
• 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 a creative thinker who considers problems from a customer perspective while being pragmatic and solutions oriented when solving them
• You have fun in learning and always seeking to improve

Responsibilities

Own & execute reconciliations for Xendit’s day-to-day financial operations

• Own the reconciliation process for all Xendit products across the region, ensuring that all funds are moving as expected and Xendit does not have any exposure or incorrect transactions
• Work with the product teams on automating recons across products and the region to ensure no gaps in the process and Xendit is protected against money loss
• Have the opportunity to learn how Xendit operates from the ground up and make a real impact on the future of the organization

Coordinate with internal and external stakeholders

• Solve for unreconciled transactions by working with product, partnerships and finance to identify and resolve root causes

Set up recons for any new products

• As new products are launched and we expand to new markets, set up and own the reconciliation processes to ensure that at all points, Xendit recons are operating at best in class standards

Do whatever it takes to make Xendit succeed

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.

As a Financial Operations Associate, you will be part of the Financial Operations team responsible for ensuring the seamless flow of funds for the countless transactions happening on the Xendit platform daily. It is a wide ranging role. For example, you can be helping to execute daily operations, designing processes operationally for new products, building relationships with banking partners, working with product and tech teams as we automate recons or operations, and touching base with regional teams as we grow in other regions in Southeast Asia. You will also be owning reconciliations across the entire organisation, driving high impact across the region by ensuring all funds are moving as they should and we have full oversight over all movements. 

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

• Fresh graduate of Management, Accounting, Finance, or a similar course, or 1-3 years of relevant experience in a start-up/fast paced environment or within the payments, fintech, or financial services spaces
• Excellent verbal and written communication skills in English 
• Working knowledge of Microsoft Office Suite and Google Suite
• Comfortable dealing with large datasets and data analysis
• You are detail oriented, can see patterns in data/information or notice when something is amiss
• Located in Metro Manila, Philippines

Preferred Qualifications

• Experience working in or dealing with banks or large financial institutions
• You have the initiative to continually ask questions and look for answers
• You have a discerning ability to prioritize workload in line with tight deadlines and work effectively under pressure while maintaining quality work
• 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 a creative thinker who considers problems from a customer perspective while being pragmatic and solutions oriented when solving them
• You have fun in learning and always seeking to improve
• Experience with SQL or visualization tools (e.g. Looker) is nice to have

Responsibilities

Own & execute Xendit’s day-to-day financial operations and its reconciliations 

• Support Xendit’s daily shift operations, which includes processing customer transactions across the region, liaising with banking partners, executing bank requirements, and coordinating with internal teams to resolve customer issues 
• Be willing and able to work shift on weekends and/or holidays, if assigned/required
• Conduct and own periodic reconciliations to verify the accuracy of financial transactions for Xendit products across the region, ensuring that all funds are moving as expected and Xendit does not have any exposure or incorrect transactions
• Support on automating recons across products and the region to ensure no gaps in the process and Xendit is protected against money loss
• Have the flexibility to move across roles within Finops team depending on business needs
• Have the opportunity to learn how Xendit operates from the ground up and make a real impact on the future of the organization

Coordinate with internal and external stakeholders

• Solve complex problems by working across partner, product, sales, legal and compliance teams to deliver tailored solutions for our customers
• Solve for unreconciled transactions by working with product, partners, partnerships and finance to identify and resolve root causes

Onboarding new recons, products or regions

• Understand how our products and services work and be able to create processes to support Xendit’s expansion in Southeast Asia
• As new products are launched and we expand to new markets, set up and own the reconciliation processes to ensure that at all points, Xendit recons are operating at best in class standards

Do whatever it takes to make Xendit succeed