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Sovereign’s Capital
Sovereign’s Capital

Credit Analyst



Jakarta, Indonesia
Posted on Wednesday, May 8, 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.

The Role

You would be part of the team that mitigates credit risk for Xendit’s credit-related products, you will be working closely with product team to develop new solutions and design data driven policy to minimize credit risk across Xendit’s credit products.


  • Analyzing and assessing the creditworthiness of new and existing clients
  • Designing and driving implementation of credit strategies, policies, standard operating procedures and guidelines
  • Helping to build, test, develop, validate and monitor comprehensive credit scoring models used to support credit decisions
  • Ensure adherence to the laid down policies and procedures for the smooth running of the division
  • Giving feedback and recommendation about current procedural and policy whether implementable or having the gaps
  • Identify & provide feedback on potential risk and implement the proposed solutions
  • Monitoring accounts (i.e. cash flows, repayments, account behavior, compliance with covenants stipulated in the terms of approval) and ensure that portfolio is within the acceptable credit & compliance standards
  • Do whatever it takes to make Xendit succeed

What we’re looking for

  • Fluent in written and verbal English
  • Has 2+ years of proven track records in credit risk analysis, business lending savvy with sufficient knowledge of consumer lending and other lending segment
  • You’re willing to work harder than most and humble enough to learn from people much younger than you
  • You are agile, willing to work on various tasks of different natures if necessary
  • You communicate well across teams
  • You thrive on autonomy and have proven you can push towards a goal by yourself
  • When your coworker needs help late at night and it’s not related to you, you’re down to support them on menial tasks if it makes their lives easier
  • Preferably have business experience in consulting, banking, private equity fund, fast growing startup, financing companies, etc.
  • Bonus points if you’ve worked in consulting, payments or banking, especially if you understand how core banking systems are run