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
To lead the design, documentation and implementation of Atome's internal controls framework across key markets, working closely with Finance teams across the region to achieve the Group's internal controls objectives and, as a long-term goal, SOX compliance readiness. The role will be the day-to-day owner of controls and process alignment work across in-scope markets, partnering with Financial Reporting on SOP alignment, and supporting the Head of FGT on group-wide accounting policy alignment. The individual will also maintain awareness of Finance automation, AI and system initiatives to ensure controls considerations are embedded from the outset.
Key Responsibilities
- Controls Design & Implementation
- Conduct process walkthroughs and controls assessments across in-scope Finance teams, documenting current-state processes and identifying gaps relative to internal best practices and the Group's controls objectives
- Design and implement a controls framework appropriate for a regional fintech organisation, including Risk and Control Matrices (RCMs), process narratives, flowcharts and control activity documentation
- Develop and roll out standardised SOPs across in-scope markets in close coordination with the Financial Reporting team, ensuring alignment with Group-level policies and practical applicability at country level
- Monitor the operating effectiveness of implemented controls on an ongoing basis and prepare periodic controls reporting for the Head of FGT and senior management
- Liaise with external auditors and internal audit on controls-related matters
- Track and drive resolution of remediation actions arising from controls assessments with the relevant country Finance teams
- Accounting Policy Alignment
- Support the Head of FGT in driving group-wide accounting policy alignment across all markets, drawing on operational knowledge gained from controls walkthroughs to identify where policy and practice may diverge
- Contribute to the documentation and communication of Group accounting policies across in-scope markets
- Finance Automation & Systems Awareness
- Maintain working awareness of Finance automation, AI and system initiatives to identify controls implications and flag risks proactively to the Head of FGT
- Ensure controls considerations are embedded in Finance system and process design from the outset, engaging with relevant teams where required
Candidate Profile
Non-negotiable Requirements
- 4 to 7 years of experience in external audit or internal controls, ideally from a Big 4 accounting firm — exposure to Financial Services, Banking or fintech clients is preferred
- Solid grounding in internal controls methodology and risk assessment — ability to independently design, document and assess controls in a structured environment
- Demonstrated experience conducting process walkthroughs and documenting controls frameworks including RCMs and process narratives
- Strong analytical, documentation and project coordination skills — able to manage multiple country-level workstreams simultaneously
- Comfortable working across regional teams and navigating different operational environments across Southeast Asian markets
Strong Preferences
- Familiarity with SOX 404 requirements and the COSO internal controls framework
- Fluent in Mandarin (spoken proficiency)
- Prior exposure to multi-country or regional Finance environments in Southeast Asia
- Familiarity with fintech, digital lending or payments business models
- Interest in or exposure to Finance automation and AI tools as applied to controls monitoring or process improvement
- Knowledge of tax implications across Southeast Asian jurisdictions is an advantage
