Head of Credit Risk – 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 individual to be the Head of Credit Risk in our Experiments team. 

Minimum Qualifications

• Over 7 years of experience in consumer credit risk roles with a focus on analytics, credit modeling and data analysis
• Demonstrated ability to manage and enhance a consumer credit portfolio.
• Comprehensive expertise in credit risk modeling and machine learning methodologies and technologies
• Exceptional quantitative and analytical skills with the capacity to identify patterns, trends, insights, and to conduct risk/reward assessments
• Proficiency in SQL, Python, and AWS
• Strong leadership skills to drive the organization’s goals and initiatives with executive teams, ensuring alignment with the broader vision and objectives in credit risk management

Preferred Qualifications

• A Master’s Degree or higher in sciences, engineering, mathematics, statistics, economics, or another analytical and quantitative field.
• Built a resilient consumer credit portfolio in Indonesia or Southeast Asia

Responsibilities

• Build a credit business from the ground up with new, innovative products not yet available in the market
• Develop credit granting processes for new and existing customers, from risk models to financial valuation models to determining appropriate product terms and limits
• Push the boundaries of credit risk modeling and underwriting with data science
• Build a resilient credit portfolio and establish the tools and processes to intricately understand performance levels and trends
• Deepen our understanding of how our customers use credit so that we can serve them better and enhance repayment rates
• Build, launch, and grow innovative new financial services products to better serve underserved customers
• Employ core analytics skills and advanced problem-solving to analyze model and portfolio performance
• Establish strong partnerships within the company, including with the product, engineering, finance, and operations teams.
• Implement sound credit governance to maintain stability amid changing market conditions and fulfill the expectations of external stakeholders