hen Tessa Wijaya decided to make a job switch in 2016 from investment banking to an Indonesian electronic payments startup, it wasn’t because the money was better, as she took an 80% pay cut. The native of a small town in West Java says she was okay with the much-reduced salary. “I thought I needed to learn about a new business,” she said. “I took a leap.”
From fewer than 10 employees at the start, the company now has more than 900. Xendit, which initially focused on Indonesia, has expanded to the Philippines and is eyeing other parts of Southeast Asia. Unlike some tech firms that are paring numbers amid rough market times, Xendit says it isn’t cutting staff.Xendit was started by Moses Lo while he was doing an M.B.A. at the University of California-Berkeley.
The timing was right. Besides her experience with financial models and presentations, Wijaya helped Xendit broaden its partnerships with her network. Along the way, she took on more operational and finance-related responsibilities. In 2018, Lo promoted Wijaya as the company’s COO.Digital payments have increased sharply in Southeast Asia, thanks in large part to Covid-19, but so far cash is still king, according to the e-Conomy SEA 2021 report by Google, Temasek and Bain & Company.
She also says that developing more products for SMEs is one of three fundraising objectives besides adding more value-added products and bringing all products to the regional market. Since last year, the company began offering working capital loans for SMEs. In April,, an SME-focused lender whose main owners are Indonesian billionaires Putera Sampoerna and Djoko Susanto.
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