Sr. Product Manager - MFG

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.

Role summary

Owns product direction across the Billing, Transactions and Reports surfaces of Xendit's merchant-facing platform - the systems merchants use to see what happened to their transactions, the funds, how they get charged for using Xendit, and access real-time record of all transactions.

Represent merchant experience and billing-accuracy concerns in cross-functional discussions spanning Engineering, Finance, Legal, Compliance, and GTM/Account Management.

The role involves taking care of our core ledger system that tracks all transaction events and the billing logic layered on top of it. Some time will be needed to understand how our transactions ledger work (known as T4) as well as our billing engine.

Key responsibilities

Billing

• Design and ship new fee models including pricing configuration, tiering logic, and phased collection mechanisms
• Own the end-to-end merchant billing experience: invoice generation, payment collection methods, negative balance handling, and aligning commercial expectations with GTM/Legal/Finance. An example is the consequences of non-payment.
• Maintain and update merchant-facing and internal billing documentation to stay in sync with backend billing logic changes.
• Respond to or resolve merchant billing incidents, balancing fast merchant-impacting fixes against proper long-term ownership decisions.

Transactions

• Own the roadmap for merchant-facing transaction visibility: Transaction Details page, Transactions list.
• Define and prioritize merchant-initiated actions on transactions such as refunds, in partnership with the payments or payouts teams
• Work with design to benchmark against competitor platforms (e.g., Stripe, Adyen) to validate whether proposed UX is at, above, or below market expectation before committing scope. Our goal is to set a world class experience on this front.
• This domain also requires a deep technical understanding. Engineers will rely on the PM to consult or make decisions on technical tradeoffs with the goal of making our ledger as efficient as it could while meeting UX requirements.

Reports

• Own our 3 main reporting interfaces: Transactions, Balance History and Billing Report
• Ensure reporting (scheduled reports, exports, billing CSVs) stays consistent with what's shown in-product.
• Enhance or build according to changing requirements, which comes from our ever-evolving Payments and Payout products
• Identify gaps in our reporting experience to solve for the customers’ financial reconciliation needs. Benchmarking against global players to achieve world-class standards.

Recent & Ongoing Projects

Billing

• Processing Fee (a.k.a. Gateway Fee) - A new fixed fee charged per transaction attempt (payment or refund), regardless of success/failure, layered on top of the existing payment-method fee.
• Automatic Cash Balance Deduction - New behavior where any outstanding invoice balance is automatically pulled from a merchant's Xendit Balance after the monthly invoice is issued, instead of waiting on merchants to settle them.
• Merchant-facing billing documentation - Revised the "Paying Your Xendit Bill" help doc to incorporate the new Automatic Cash Balance Deduction behavior alongside the existing Billing Balance and on-demand payment methods.
• Billing statement / invoice template work - Multiple rounds of rebuilding the actual PDF invoice merchants receive: restructuring fee categories (splitting out a standalone "Processing Fees" category from Money In/Money Out), itemized deductions, and reconciling category totals against line-item sums.

Transactions

• Transaction Details Page (UTV-sourced) rebuild - Migrating the Payment/Payout detail view off legacy product-specific data sources onto the Unified Transactions View, so the dashboard, reports, and API all show consistent data.
• Manual Refund Initiation (Refunds V3) - Adds the "Refund" action directly onto the Transaction Details overlay (Cards + QR first), supporting full/partial refunds.
• UTV Migration - Consolidate the local markets' dual dashboards into a single sourced page from the Unified Transactions View.

Reports

• Consolidated UTV report support - Part of the Fawkes migration: adding consolidated report options to Schedule Report for Glocal, and supporting both UTV and T4 report formats (both sourced from UTV) for Local markets.
• Historical data retention gap - UTV BigQuery only retains 6 months of data, but T4 (the current fallback for older data) is slated for deprecation once the migration above completes. Needs an SOP or dedicated SLA for on-demand historical requests before that deprecation can safely proceed - currently an open item being worked with Ken.
• Processing Fee billing CSV - A new monthly report (see Billing, below) giving merchants row-level detail on processing fee attempts, since that fee isn't shown on the transaction details UI itself.