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.