Product Manager - User & Accounts

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

The Product Manager, Accounts Lifecycle, will be the strategic owner of the entire merchant journey, from initial sign-up and onboarding (Activation) through ongoing engagement and retention. A core focus of this role is to skillfully balance the necessity for a world-class Merchant Experience (MX) with stringent Compliance and Risk requirements (e.g., KYC/AML). This individual must be highly adept at navigating complex trade-offs and driving alignment across multiple, interdependent product and risk teams.

Responsibilities

• Lifecycle Strategy & Roadmap Ownership:
• Define the vision, strategic goals, and execution roadmap for optimizing the end-to-end Merchant Account Lifecycle, with a primary focus on maximizing Onboarding success, Activation rate, and Onboarding Throughput
• Synthesize market trends, competitive analysis, and business goals to prioritize high-impact lifecycle initiatives.

• Risk, Compliance, and Experience Balancing:
• Crucially balance the Merchant Experience needs (speed, clarity, ease-of-use) against strict requirements mandated by Risk, Fraud, and Compliance policies (e.g., KYC/AML checks, documentation needs).
• Collaborate closely with Risk and Compliance teams to design product processes that embed necessary controls with the lowest possible friction for the merchant.
• Proactively anticipate and translate new regulatory and policy changes into clear product requirements and required experience updates.

• Product Discovery & Execution:
• Lead the product discovery process, generating deep insights through merchant feedback, data analysis, and user research.
• Translate strategic goals into clear, actionable Product Requirements Documents (PRDs), user stories, and acceptance criteria for engineering and design teams.
• Own the prioritization of features, fixes, and experiments, strategically managing a backlog that is often subject to frequently changing demands from business and regulatory forces.

• Cross-Functional Leadership & Navigation:
• Act as a highly effective navigator and consensus builder across interdependent core product teams (e.g., Payments, Core Platform) to ensure a unified and consistent merchant experience.
• Serve as the primary liaison between Engineering, Design, Customer Success, Marketing, Risk, and Compliance.
• Clearly communicate product progress, outcomes, and the rationale behind complex trade-offs (especially those involving risk vs. experience) to senior stakeholders.

Minimum Qualifications

• 3-5 years of Product Management specifically focusing on customer/merchant lifecycle, growth, or product-led growth (PLG) initiatives, ideally within FinTech, Payments, or an equivalent high-compliance industry.
• Technical expertise is a significant advantage: Ability to understand technical architecture and integration points to facilitate meaningful discussions with engineers.
• Strong organizational skills to strategically navigate and prioritize conflicting demands from multiple stakeholders (e.g., business goals vs. risk constraints).
• Demonstrated ability to build consensus and drive outcomes across large, interdependent organizational structures.

Preferred Qualifications

• Domain Expertise (Critical): Direct product management experience within FinTech, Payments, or a similarly regulated industry that requires balancing user experience with strict Compliance, Risk, or Fraud requirements (e.g., KYC/AML).
• Technical Expertise (Strong Plus): A background in engineering, computer science, or demonstrated ability to understand technical architecture, APIs, and data flows to facilitate deep, productive discussions with technical teams.
• Account Lifecycle Specialization: Specific experience building or optimizing products related to core lifecycle stages like Onboarding, Activation, Offboarding