Funding Manager

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 LinkedIns 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&aposs Financial Services Authority (OJK).

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

1. We foster an INNOVATION mindset

2. We achieve results with EFFICIENCY and excellence

3. We take pride in the QUALITY of our work

4. We uphold INTEGRITY in all we do

5. We embrace COLLABORATION to work across business lines and borders

About the Role

We are seeking a high-caliber Debt Funding Manager to drive debt capital strategies and execution across Southeast Asia. This role is pivotal in managing institutional funding relationships, structuring debt solutions, and supporting the companys rapid growth through scalable financing frameworks.

The ideal candidate brings a proven background in debt financing, corporate relationship management (especially within the non-bank financial institution space), or experience in fintech capital markets. The role demands sharp analytical skills, strong storytelling and communication abilities, and fluency in key regional languages.

Additionally, as Atome continues to pioneer embedded finance across the region, we greatly value candidates with exposure to structuring and operationalizing embedded finance productsespecially those involving digital execution, contract management between multiple parties, and understanding of data privacy requirements. While not required, such experience is highly regarded and would enable the candidate to excel in the role.

Key Responsibilities

Lead and execute funding transactions across multiple geographies, from deal structuring to documentation and closing

Build and maintain relationships with institutional lenders, including banks, funds, and other capital providers

Review and analyze financial models to assess transaction economics and credit metrics

Partner with internal stakeholders (Finance, Legal, Product, and Technology) to align funding strategies with business objectives

Develop and deliver compelling funding materials, including investor decks, term sheets, and information memos

Support funding audits, due diligence, and regulatory filings where necessary

Track and manage deal timelines and workflows to ensure smooth execution

Monitor market trends and identify opportunities for innovative capital solutions

Maintain meticulous documentation and process control for all funding-related activities

(Nice to have) Contribute to the development of scalable embedded finance operations, working closely with cross-functional teams to align partner roles, digital data flows, and compliance frameworks

Requirements

710 years of relevant experience in:

Debt structuring, capital markets, or institutional funding

Corporate relationship management in banking, especially with non-bank financial institutions

Fintech or financial services with a funding or treasury function

Demonstrated track record of executing funding deals, including bilateral, syndicated, or structured financings

Technical Skill Sets

Proficient in credit analysis and debt structuring techniques

Strong understanding of financial models and cash flow forecasting

Excellent communication and storytelling abilities; can simplify complex ideas for diverse stakeholders

Advanced proficiency in Microsoft PowerPoint and Excel

Strong project management skills; able to manage multiple stakeholders and timelines

High attention to detail and execution rigor

Highly organized, with a proven ability to run complex, cross-functional projects

Intellectually curious and eager to understand new fintech and funding models

Preferred Qualifications

Bachelors degree in Finance, Economics, Business, or related field

CFA, FRM, or similar certifications advantageous

Familiarity with regulatory frameworks in Southeast Asia (e.g., OJK, BSP, MAS)

(Great to have) Experience in digitally operationalizing embedded finance solutions, including:

Structuring commercial agreements across multiple parties (e.g., lenders, platforms, originators)

Aligning legal, product, and data workflows in digital lending models

Understanding data privacy and governance in embedded finance ecosystems

Good to have:

Professional working proficiency in Chinese (Mandarin) to work with stakeholders in mainland China

Proficiency in Bahasa Melayu / Bahasa Indonesia to work with Indonesia stakeholders

Tagalog proficiency