Finance Manager

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.