Singapore | Full-time | On-site | Reports to the CEO
ABOUT THE ROLE
We're looking for a Finance Manager to own the finance function end to end -
books, merchant reconciliation, safeguarding, audit and regulatory submissions
across our group entities - while leading a team of two Finance Operations
Executives.
This is a hands-on role. You will be in the reconciliations, in the ledger, and
in the numbers yourself, not reviewing from a distance. You will also sit close
to the CEO as a genuine business partner: when a question comes up about unit
economics, take rate, cost to serve or the margin on a given payment method, you
are the person who knows the answer and can show the working.
WHAT YOU'LL OWN
Books and close
\- Own the monthly and annual close across all group entities - accurate books,
closed on time, every month.
\- Maintain the general ledger, intercompany positions, FX translation, revenue
recognition and accruals.
\- Produce management accounts and the reporting pack for the CEO, board and
investors.
Merchant reconciliation and settlement
\- Own daily and monthly reconciliation between acquirer/scheme settlement, our
internal ledger, merchant payouts and the bank.
\- Own the merchant payable position - know what we owe merchants at any point in
time, and be able to prove it.
\- Investigate and clear breaks at source. Reconciliation differences get
root-caused, not carried forward.
\- Work with Engineering and Operations to fix the upstream causes of recurring
breaks.
Safeguarding and regulatory
\- Own safeguarding of relevant money under the MAS Payment Services Act - daily
computation, segregation, the safeguarding undertaking, and reconciliation of
safeguarded balances against merchant liability.
\- Prepare and file all regulatory submissions on time and accurately, across the
jurisdictions we operate in.
\- Own the annual safeguarding audit and any regulator queries or inspections
that touch finance.
\- Maintain the controls and evidence trail that make all of the above
defensible.
Audit
\- Own the annual statutory audit for the group and for each subsidiary, in every
jurisdiction we operate in.
\- Be the primary point of contact for auditors - scope the timeline, prepare the
PBC schedules, answer queries directly and close them out.
\- Manage local auditors, tax agents and corporate secretarial providers across
subsidiaries.
\- Deliver signed accounts on time. No extensions as a matter of course.
Business partnering and unit economics
\- Build and maintain a detailed view of unit economics: revenue per merchant,
take rate by product and payment method, cost of processing, gross margin,
cost to serve, contribution by cohort and by market.
\- Bring findings to the CEO with a point of view, not just a report - where
margin is leaking, which products or merchants are unprofitable, what should
change.
\- Support pricing decisions, market entry analysis, budgeting and fundraising
with numbers you can stand behind.
Vendors
\- Negotiate commercial terms with acquirers, banks, processors, auditors and
other vendors.
\- Track spend against contracts and challenge cost where it isn't earning its
keep.
Team
\- Lead, coach and develop two Finance Operations Executives.
\- Set the standard for accuracy and timeliness, and build process and
documentation so the function scales beyond three people.
WHAT WE'RE LOOKING FOR
Required
\- 6+ years of finance experience, with a Big 4 foundation (audit or equivalent
assurance practice).
\- Qualified accountant - CA (Singapore), ACCA, CPA or equivalent.
\- Proven ownership of a full-cycle close and a statutory audit as the
accountable person, not a contributor.
\- Experience managing auditors across multiple legal entities or jurisdictions.
\- People management experience, or clear evidence you're ready for it.
\- Genuinely hands-on. You are comfortable in a reconciliation of tens of
thousands of transactions, and you would rather open the file than ask for a
summary.
\- Strong Excel/Google Sheets. Comfortable working with large transaction
datasets.
\- Based in Singapore with existing right to work.
Strongly preferred
\- Payments, fintech, e-money or financial services experience - particularly
merchant settlement, float management or safeguarding.
\- Working knowledge of the MAS Payment Services Act, specifically safeguarding
requirements.
\- SQL, or the willingness to learn it. Much of what you need lives in a data
warehouse.
\- Experience in a startup or high-growth environment where the finance function
is being built rather than inherited.
How you work
\- Deadlines are commitments. Close dates, filing dates and audit dates do not
slip.
\- You go to the root cause. A break that reappears next month wasn't fixed.
\- You are direct with the CEO - you flag problems early and bring a
recommendation with them.
\- You are comfortable with ambiguity and with building process where none
exists.
WHY THIS ROLE
You will own the entire finance function of a regulated, multi-entity payments
business, with direct access to the CEO and real influence over pricing, cost
structure and where the business invests. The scope is broader than a Finance
Manager role at a larger company, and the pace is faster.
Visa sponsorship is not available for this role.
