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
Position Overview
The Funding Operations Associate will support the Treasury and funding teams in managing day-to-day funding activities, ensuring timely execution of loan drawdowns and repayments, accurate tracking of cashflows, and compliance with internal and external requirements. This role is critical in maintaining liquidity, optimizing funding operations, and supporting business growth.
Key Responsibilities
- Loan Drawdown & Repayments
- Prepare and process funding drawdown requests with lenders/funding partners.
- Track repayment schedules (principal + interest) and ensure timely settlement.
- Reconcile loan balances with internal records and lender statements.
- Cashflow & Liquidity Support
- Assist Treasury in daily/weekly cashflow monitoring across entities.
- Flag shortfalls or mismatches in funding vs. loanbook disbursement needs.
- Support prefunding/rollover arrangements.
- Documentation & Compliance
- Maintain funding documentation (facility agreements, drawdown notices, confirmations).
- Ensure compliance with loan covenants and internal policies.
- Liaise with Legal/Finance for KYC, reporting, and contract updates.
- Funding Operations & Processes
- Maintain funding trackers (drawdowns, repayments, rollover schedules).
- Update dashboards/reports on facility utilization, cost of funds, and margins.
- Support system input into Treasury/loan management platforms (e.g., EPM, Ploutos, Kyriba).
- Continuously seek ways to improve existing processes and increase efficiency for the funding operations team.
- FX & Hedging Support
- Support Treasury in executing FX trades related to funding drawdowns.
- Record and reconcile hedge contracts and FX settlements.
- Coordination & Communication
- Liaise with internal teams (Funding, Finance, Product and Operations) to align on reporting needs.
- Coordinate with external partners (banks, funding partners) on transactions.
Requirements
- Bachelor's degree or diploma in Business, Accounting and Finance, Analytics, Computer Science or a related field is a good to have.
- Experienced candidates with prior experience in Banking / Treasury roles (especially with familiarity in consumer loan receivables) is preferred.
- Strong proficiency in Microsoft Excel, Word and Powerpoint and some experience with finance operations systems.
- Good to have some experience in programming languages such as Python/SQL.
- Ability to communicate in Mandarin would be a plus due to regional coverage.
- Keen to work in Fintech, with an interest in Finance and AI.
