Senior Merchant Ops Analyst

Xendit provides payment infrastructure across Southeast Asia and is expanding to Greater China and LATAM. 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 As a Senior Merchant Operations Analyst, you will play a critical role in enabling businesses to grow on Xendit’s platform. You will be responsible for reviewing and processing merchant KYC profiles in line with regulatory requirements and internal policies, assessing LDD, BDD, and business use cases to determine merchant eligibility. Beyond onboarding, you will support payment channel activations by working closely with external partners and internal teams to ensure merchants are successfully set up to accept payments. You will coordinate submissions, track progress, resolve issues, and help unblock delays, while ensuring compliance and a smooth end-to-end experience for merchants. In this role, you will collaborate with cross-functional teams including Compliance, Risk, Product, Sales, and Partnerships to solve onboarding and activation cases efficiently, always keeping customer experience at the forefront. You will also gain a strong understanding of payment flows, partner requirements, and regulatory considerations, and contribute to continuous improvements in processes and tools. This role is ideal for someone who enjoys problem-solving, cross-team collaboration, and making a meaningful impact on how merchants experience Xendit from day one. Qualifications Behaviors Good analytical skills and proactive attitude, with good communication skills. Ability to think out of the box and to be assertive in offering solutions to posed problems or situations. High flexibility and detail-orientation Ability to multitask to meet constant business demands and priorities. Resilient to challenges and setbacks, enthusiastic and motivated to work in a fast-paced and high-pressure environment. Focused to meet delivery and quality targets. Experience Bachelor’s degree from a reputable university majoring in the following or equivalent: Business Administration Finance / Accounting Communications Computer Science/IT 1 to 3 years of experience working in a customer facing role or of similar nature. Fresh Graduates from reputable universities are welcome to apply. Must be professionally fluent in both English and Mandarin Standard proficiency with Microsoft Office or Google Suite tools (Word, Excel, Powerpoint, Gdocs, Gsheets, Gslides) Plus points if you have prior experience in a fintech/banking operations function or previously worked with opening client accounts Responsibilities Conducting business profile review for incoming onboarding merchant accounts Review all information and submitted documentations ensuring compliance with local regulation and Xendit standards Process cases based on the priorities set by the team, reworks and their KYC expiry dates Documentation gathering and record retention of the evidence Assess risk when business decisions are made, demonstrating particular consideration for the company’s reputation and safeguarding Xendit Report operational, system and policy issues immediately Achieve the quality and productivity target Work extensively with va