Senior Accountant

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

Financial Close & Reporting

• Own the preparation, review, and loading of journal entries for month-end close, ensuring accuracy, proper substantiation, and timely completion within the close calendar
• Contribute to the preparation of management accounts and statutory financial statements
• Perform balance sheet account substantiation, ageing analysis, and flux commentary — not just as a task, but as a genuine control over the numbers
  
  

Complex Transaction Accounting

• Apply sound judgment to account for complex, non-routine transactions — including new product structures, intercompany arrangements, and financial instruments under PFRS 9
• Research accounting treatments for new transaction types and document positions clearly and defensibly
  
  

Audit

• Serve as a key contributor during annual external audits — preparing PBC schedules, responding to auditor queries, and ensuring workpapers are complete, accurate, and audit-ready
  
  

Process Improvement & AI Adoption

• Proactively identify manual, repetitive processes in the close cycle and propose automation or AI-assisted solutions
• Actively use and explore AI tools — including AI-assisted reconciliation, generative AI for report drafting, and automation tools within the ERP — to improve speed and reduce error
• Document process improvements and share learnings with the broader finance team
  
  

Cross-Functional Collaboration

• Work closely with Finance Operations, Tax, and Funding teams to ensure financial data is accurate, timely, and fit for purpose across all users
• Communicate accounting findings and issues clearly to the and Finance Manager, with proposed solutions — not just problems
  
  

Job requirements

• Bachelor of Science in Accountancy; CPA board passer strongly preferred
• 3–5 years of experience in general ledger close, financial reporting, or audit — with at least 1–2 years in financial services, fintech, banking, or a Big Four firm with financial institution clients
• Strong working knowledge of PFRS, particularly PFRS 9 and PFRS 15
• Advanced Excel skills — pivot tables, dynamic formulas, and data modelling are baseline, not a bonus
• Familiarity with ERP systems (Oracle, NetSuite, SAP, or equivalent)