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.