Chief Business Officer

Employment Type: Full-time, Permanent

Work Location: Singapore

Seniority: Senior Management / C-Suite

Reports To: Chief Executive Officer

About the Role

The Chief Business Officer owns end-to-end commercial performance at Chocolate Finance. The role combines growth leadership (marketing, user acquisition, strategic partnerships, and AUM expansion across our markets) with strategic finance oversight (forecasting, business modelling, M&A, and capital raising support). The CBO works closely with the CEO and executive team on company-wide strategy, with a strong emphasis on AI-driven efficiency and profitability.

The CBO owns top-line outcomes including AUM growth, revenue, and unit economics across Singapore, Hong Kong, Japan, and the UAE.

Key Responsibilities

Growth & Commercial Leadership

• Lead all marketing and growth functions, including performance marketing, brand, lifecycle/CRM, partnerships, and product-led growth.

• Partner with country teams to build aligned go-to-market strategies across priority markets and oversee key metrics and KPIs.

• Develop and scale strategic partnerships that drive non-linear growth (distribution, fintech ecosystem, institutional channels).

• Own core growth metrics: AUM growth, net new funded accounts, CAC/LTV optimisation, revenue growth, and contribution margins.

• Build and optimise a multi-channel acquisition engine (paid, organic, partnerships, referrals).

• Standardise marketing operations across markets, ensuring consistent execution aligned with the company's core brand identity while enabling thoughtful localisation.

• Partner with Product to improve conversion, retention, and monetisation funnels.

• Establish a data-driven growth culture with rigorous experimentation and performance tracking.

Strategic Finance & Business Operations

• Own the company's financial model, including AUM forecasts, revenue projections, and scenario planning.

• Lead annual planning, budgeting, and rolling forecasts across all markets.

• Drive unit economics clarity across acquisition channels, products, and geographies.

• Partner with the CEO on strategic decisions, including pricing, market expansion, and capital allocation.

• Develop frameworks for efficient growth (e.g., CAC payback, contribution margin).

• Support fundraising, investor communications, and board reporting.

• Identify and evaluate new revenue opportunities and business lines.

• Ensure financial rigour without taking on day-to-day accounting or controllership.

Requirements

• 15+ years of progressive experience across commercial leadership, growth, and strategic finance roles, with at least 5 years in a senior executive capacity.

• Proven track record scaling a fintech, wealth management, or financial services business, ideally across multiple Asian or international markets.

• Deep expertise in both growth marketing (performance, brand, partnerships, CRM) and strategic finance (financial modelling, FP&A, fundraising, M&A).

• Strong command of unit economics, CAC/LTV frameworks, and contribution margin analysis.

• Experience working closely with CEOs, boards, and investors on strategy, fundraising, and shareholder communications.

• Track record of building and leading high-performing cross-functional teams.

• Analytical and data-driven, with demonstrated ability to leverage AI and automation to drive efficiency and profitability.

• Bachelor's degree in Business, Finance, Economics, Engineering, or a related field MBA or equivalent preferred.