Finance Operations Associate

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

• Execute daily settlement and disbursement activities accurately and on time in the absence of the assigned team member responsible for settlements.
• Ensure timely and accurate generation of invoices.
• Assist in the monthly bank and payment gateway reconciliations, including identifying and resolving any discrepancies.
• Perform monthly reconciliation of Accounts Receivable (AR) and Accounts Payable (AP), investigate any discrepancies, and ensure timely resolution of identified variances.
• Provide timely support to relevant teams in addressing merchant and customer requirements.
• Responsibility to process daily repayment and refund operational support
• Provide support in the investigation and operations tasks
• Expected to be familiar with the operations on external payment networks

Job Qualifications

• Bachelor's degree with 2–3 years relevant experience
• Experience handling high-volume transaction environments
• Background in payments: invoicing, dispute management, reconciliation
• Lending experience is a strong plus; e-commerce background also acceptable
• Hands-on experience with payment gateways (Xendit, Dragonpay, or similar)
• Familiarity with Netsuite (or comparable accounting systems)
• Strong communication skills
• High attention to detail
• Able to work independently (can step in for settlements when the primary owner is out)