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Sovereign’s Capital
Sovereign’s Capital

Lending Internal Auditor



Jakarta, Indonesia
Posted on Thursday, February 22, 2024

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

GMF, Xendit's proprietary financing arm holding a multifinance license from OJK, is dedicated to providing essential financing solutions to startups and small businesses. We empower these businesses with much-needed capital, enabling growth and improved cash flow, resulting in mutual success.

Join Xendit as our Internal Auditor for GMF, overseeing and executing the annual internal audit plan to ensure the efficiency and integrity of our multifinance business in Indonesia. As the key driver of internal control and risk management evaluation, you will conduct thorough assessments across various functions, providing actionable suggestions for improvement. Your impact extends to preparing detailed audit reports for the leadership, actively monitoring suggested improvements, and collaborating with the Audit Committee to foster a culture of compliance. With a focus on continuous enhancement, you will develop and implement a quality evaluation program for internal audit activities, contributing significantly to the growth and success of our lending operations.

Minimum Qualifications

  • 4-7 years in internal audit roles within the multifinance industry or related sectors such as commercial banking, financial services or lending
  • Bachelor's Degree in Accounting, Finance, Business Administration, or related field
  • Understanding of financial accounting standards, especially the Statement of Financial Accounting Standards (PSAK)
  • Ability to apply auditing knowledge including internal controls, risk management, corporate governance and and risk-based audit processes
  • Familiarity with regulatory guidelines and compliance practices by OJK for multifinance entities
  • Proven ability to effectively collaborate with regulatory authorities, demonstrating proactive engagement in compliance reporting and discussions
  • Strong leadership skills with the ability to oversee and coordinate with internal teams to implement follow-up improvements
  • Excellent presentation skills for effectively communicating audit results and recommendations to senior management and the Board of Commissioners.
  • Proactive approach to continuous monitoring, analysis, and reporting on suggested improvements
  • Working proficiency in English and Bahasa Indonesia

Preferred Qualifications

  • Professional certification in internal auditing (e.g., CIA, CISA)
  • The ability to stay agile in ambiguous situations
  • Thrive on autonomy and have proven you can push towards goals by yourself


Audit Planning and Strategy

  • Lead the preparation and execution of the annual internal audit plan for Xencap's multifinance business in Indonesia
  • Incorporating benchmarks and analysis of applicable regulations for preparing regularly updated audit guidelines
  • Develop and implement a robust program to evaluate the quality of internal audit activities, including identifying and mapping risks to determine the scope and priorities audit objects based on company strategy
  • Carry out special inspections as necessary to address emerging challenges promptly

Internal Control and Risk Management

  • Test and evaluate the implementation of internal control and risk management systems, ensuring alignment with company policies
  • Conduct comprehensive inspections and assessments across all each department, actively participating in routine audit activities and annual audits for all division units
  • Collaborate closely with the Audit Committee to instill a culture of compliance and transparency within lending operations

Recommendations and Reporting

  • Provide valuable suggestions for improvements, offering objective insights to all levels of management based on thorough data preparation and document analysis
  • Prepare detailed audit reports for the President Director and the Board of Commissioners, contributing to informed decision-making
  • Actively monitor, analyze, and report on the implementation of suggested improvements, fostering continuous operational efficiency enhancement

Do whatever it takes to make Xendit succeed