$X \otimes Z = \begin{pmatrix} 0 & 1\\ 1 & 0 \end{pmatrix} \otimes \begin{pmatrix} 1 & 0\\ 0 & -1 \end{pmatrix} = \begin{pmatrix} 0 \cdot \begin{pmatrix} 1 & 0\\ 0 & -1 \end{pmatrix} & 1\cdot \begin{pmatrix} 1 & 0\\ 0 & -1 \end{pmatrix}\\
1 \cdot \begin{pmatrix} 1 & 0\\ 0 & -1 \end{pmatrix} & 0 \cdot \begin{pmatrix} 1 & 0\\ 0 & -1 \end{pmatrix} \end{pmatrix} =
\begin{pmatrix} 0 & 0 & 1 & 0\\
0 & 0 & 0 & -1\\
1 & 0 & 0 & 0\\
0 & -1 & 0 & 0 \end{pmatrix}$
Note that here, $X \otimes Z$ acts on a two qubits system. For instance, if your two qubits is in the state $|\psi \rangle = |10\rangle = |1\rangle \otimes |0\rangle $ then $$(X \otimes Z) |\psi \rangle = \big(X \otimes Z \big) (|1\rangle \otimes |0\rangle) = X|1\rangle \otimes Z|0\rangle = |0\rangle \otimes |0\rangle =|00\rangle $$
This is the same if you have done the matrix multiplication, by first notice that $$|10\rangle = |1\rangle \otimes |0\rangle= \begin{pmatrix} 0 \\ 1 \end{pmatrix} \otimes \begin{pmatrix} 1 \\ 0 \end{pmatrix}= \begin{pmatrix}0 \cdot \begin{pmatrix} 1 \\ 0 \end{pmatrix} \\ 1 \cdot \begin{pmatrix} 1 \\ 0 \end{pmatrix} \end{pmatrix}= \begin{pmatrix}0\\ 0\\ 1\\ 0 \end{pmatrix}$$ then
$$(X \otimes Z) |\psi \rangle = \begin{pmatrix} 0 & 0 & 1 & 0\\
0 & 0 & 0 & -1\\
1 & 0 & 0 & 0\\
0 & -1 & 0 & 0 \end{pmatrix} \begin{pmatrix}0\\ 0\\ 1\\ 0 \end{pmatrix} = \begin{pmatrix}1\\ 0\\ 0\\ 0 \end{pmatrix} = |00\rangle$$
How this would appear on the quantum circuit is as follow:

Now, if you consider $XZ$, this is not the same as $X \otimes Z$ as the other answer by Hasan iqbal mentioned. This is just regular matrix multiplication. That is,
$$ X Z = X \cdot Z = \begin{pmatrix} 0 & 1\\ 1 & 0 \end{pmatrix} \cdot\begin{pmatrix} 1 & 0\\ 0 & -1 \end{pmatrix} = \begin{pmatrix} 0 & -1\\ 1 & 0\end{pmatrix} $$
This is a $2 \times 2$ matrix, and hence it acts only on a single qubit. So suppose you single qubit system is in the state $|\psi \rangle = |0 \rangle$. Then what this does is as follow:
$$ (XZ) |0 \rangle = X (Z|0 \rangle) = X(|0\rangle) = |1\rangle $$
How this would appear on the quantum circuit is as follow:
