About Atome Financial

Headquartered in Singapore, Atome Financial is building a world-class tech enabled financial services platform that is the best companion of our customers lifetime. As a part of the Advance Intelligence Group, a Series D fintech unicorn and ranked Top 10 on LinkedIn's 2023 Top Singapore StartUps list with over 1,400+ staff worldwide, we are united by a shared vision and purpose: to Advance with Intelligence for a Better Life--for our customers, colleagues and communities.

Atome Financial operates in 5 ASEAN markets (Singapore, Malaysia, Indonesia, Philippines, and Thailand). We have 3 key products:

Atome BNPL: A leading buy now pay later brand in ASEAN and partners over thousands of online and offline brands
Atome Card: A paylater anywhere card.
Kredit Pintar: A leading Indonesia digital lending apps, regulated and supervised by Indonesia's Financial Services Authority (OJK).

Our culture is built on values that are core to who we are and what we stand for:

We foster an INNOVATION mindset
We achieve results with EFFICIENCY and excellence
We take pride in the QUALITY of our work
We uphold INTEGRITY in all we do
We embrace COLLABORATION to work across business lines and borders

Job Description

Role Overview

We are looking for a Treasury & Funding Operations Executive / Senior Executive to support the day-to-day Treasury and Funding Operations activities. The role will cover funding partner operations, bank account administration, cash and liquidity monitoring, intercompany loan administration and FX operations. The successful candidate will work closely with Finance Operations and other internal stakeholders to ensure timely execution, accurate reporting and effective operational controls.

Key Responsibilities

Funding Operations
Prepare funding partner reporting and perform reconciliation and exception follow-up.
Monitor daily GMV and related funding requirements.
Support Ploutos system maintenance and ongoing operational activities.
Coordinate and monitor principal, interest and fee settlements with funding partners.
Support new funding partner onboarding, BRD preparation, UAT and other ad hoc funding projects.
Maintain relevant operational trackers and follow up on outstanding items.
Cash & Liquidity
Monitor daily bank balances and cash positions across relevant entities.
Support cash-flow forecasting for the loan books.
Monitor liquidity requirements and highlight potential funding or cash gaps.
Maintain cash and liquidity schedules for Treasury reporting and planning.
Bank Management & Controls
Support the opening and closure of bank accounts and related documentation.
Manage bank user access, including new user setup, access changes and periodic access reviews.
Coordinate periodic KYC and other bank documentation requirements.
Maintain proper records of bank accounts, authorised users and supporting documentation.
Support Treasury controls and segregation of duties over bank account administration and transaction execution.
Intercompany Loans
Maintain intercompany loan schedules, including drawdowns, repayments, interest and rollovers.
Prepare and coordinate supporting documentation for intercompany loan drawdowns and repayments.
Monitor upcoming repayment and interest due dates and ensure timely follow-up.
Support reconciliation and month-end reporting for intercompany loan balances.
FX Operations & Support
Monitor FX contract maturities and settlements and ensure timely operational follow-up.
Maintain FX schedules and transaction records.
Support the preparation of FX data and schedules for internal analysis and reporting.

Requirements

Bachelor's degree in Finance, Accounting, Business or a related discipline.
Approximately 1–3 years of relevant experience in treasury, banking, finance operations, funding operations or audit; prior Big Four professional services experience would be an advantage.
Good understanding of cash management, banking operations and financial controls.
Strong attention to detail with the ability to manage multiple deadlines and recurring operational activities.
Strong Excel skills and ability to manage detailed financial schedules and reconciliations.
Good communication and stakeholder-management skills.
Experience with FX operations, intercompany loans, lending/funding operations or treasury systems would be an advantage.
Experience working with AI tools, automation or AI-enabled solutions in finance or treasury operations would be an advantage.

Treasury Operations Specialist