Market Expansion Lead - Financial Partnerships

Xendit is the financial technology platform built for businesses that move fast. We give companies one unified platform for payment acceptance, payouts, treasury and financial services, replacing fragmented local integrations with a single infrastructure layer. We serve businesses of every size, from high-growth startups to global enterprises, processing high-volume transactions across Southeast Asia and beyond, with more markets on our global expansion roadmap.

About the Job

Xendit is going from a Southeast Asian payments provider to a global one. Every new market we want to sell in has to exist before it can be sold in: an entity, a licence or a licensed partner, bank accounts, and live rails. This role owns that.

You will help decide which markets we enter, build the case that gets them funded, choose whether we build, buy, or partner for the licence, and then run the entry end to end until the market is licensed, funded, connected, and handed over to a country commercial lead. You will do it as a repeatable playbook rather than a one-off project, so the second market is faster than the first and the fifth is faster than the second.

The role sits in Financial Partnerships and reports into its leadership, with direct exposure to the CRO and CEO, who sponsor this mandate. It carries no formal authority over the functions it depends on — Legal, Compliance, Risk, Corporate Secretarial, Treasury, Product, Finance — and every timeline you own runs through them. Influence, preparation, and follow-through are the job.

We are hiring this role at manager through lead level. We will scope the mandate, the market load, and the title to the person we hire rather than the other way around.

Responsibilities

• Market intelligence: Screen and rank candidate markets on market size, regulatory openness, payment rails, competitive density, and merchant demand. Maintain a live pipeline and a decision-ready entry book per market.
• Business case and investment decision: Build the cost-to-launch and cost-to-operate model, the revenue and margin projection, and the breakeven view. Take the go/no-go paper to leadership and defend it.
• Licensing strategy: Recommend build, buy, or partner per market. Select the licence type, shape the regulator engagement approach, and hold a coherent licensing roadmap across markets rather than a footprint we did not design.
• Foundational set-up: Drive entity incorporation, the licence application end to end, bank account opening, and scheme and rail access — executing with Corporate Secretarial, Legal, Compliance, and Treasury.
• Programme management: One timeline, one budget, one risk register per market. Convene the functions, hold them to dates, and escalate early and specifically when a gate is at risk.
• The playbook: Turn each entry into reusa