Business & Operational Director Jobs

About Atome Financial

Headquartered in Singapore, Atome Financial is a consumer business unit under Advance Intelligence Group. The products under Atome Financial include:

Atome: A leading buy now pay later brand in Asia Pacific which is currently present in 10 markets and partners over 15,000+ top retailers. Key merchant partners include ZALORA, Sephora, Agoda, SHEIN and Zara.

Kredit Pintar: One of Indonesia's top digital lending apps, regulated and supervised by Indonesia's Financial Services Authority (OJK). Over 10 million downloads, 2 million customer reviews and with a 4.4-star rating on Google Play Store.

As part of the Advance Intelligence Group, a Series-D company and ranked No. 1 on LinkedIn's 2021 Top Startups List in Singapore with over 2,000+ 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.

Our culture is built on values that are core to who we are and what we stand for:

• We achieve results with EFFICIENCY and excellence
• We uphold INTEGRITY in all we do
• We take pride in the QUALITY of our work
• We embrace COLLABORATION to work across business lines and borders
• We foster an INNOVATION mindset

Job Summary:

We are seeking a highly motivated and experienced candidate to lead and drive business growth and oversee our operations. The ideal candidate will have a strong background in credit card management, strategic planning, team leadership, and a proven track record of achieving revenue targets and delivering exceptional customer experiences.

Key Responsibilities:

Strategy and Planning:

• Collaborate with cross-functional teams to create innovative marketing and promotional strategies to attract and retain customers.
• Analyse market trends, competitor offerings, and customer needs to identify opportunities for product enhancements and new offerings.
• Develop and implement a comprehensive business strategy aligned with the company's and Group's overall financial objectives.

Product Development and Management:

• Manage the end-to-end lifecycle of products, from concept development to launch and ongoing enhancements.
• Monitor and analyse product performance metrics, adjusting strategies as needed to ensure profitability and customer satisfaction.
• Conduct thorough market research and customer feedback analysis to inform product features and benefits.

Revenue Generation and Financial Performance:

• Continuously assess and optimize fee structures, interest rates, and rewards/loyalty programs to maximize revenue and customer value.
• Set revenue targets and work closely with stakeholders to drive acquisition and usage.
• Develop pricing strategies that balance competitive positioning and profitability, and monitor portfolio performance to achieve financial goals.

Risk Management and Compliance:

• Oversee risk assessment and mitigation efforts, ensuring compliance with credit underwriting guidelines and fraud prevention measures.
• Collaborate with legal and compliance teams to ensure all adhere to relevant laws and regulations.
• Maintain a strong understanding of regulatory requirements and industry best practices

Team Leadership and Development:

• Recruit, mentor, and lead a team of professionals, fostering a collaborative and results-driven culture.
• Foster a customer-centric mindset among team members, emphasizing excellent customer service and relationship-building.
• Provide ongoing coaching and professional development opportunities to team members to enhance their skills and capabilities.

Reporting and Analysis:

• Generate regular reports and presentations for senior management, detailing portfolio performance, key trends, and strategic recommendations.
• Utilize data-driven insights to identify areas for improvement and make informed business decisions.

Qualifications and Requirements:

• Exceptional leadership and team management abilities.
• Demonstrated track record of achieving revenue targets and driving business growth.
• Excellent communication and interpersonal skills.
• Proficiency in financial analysis and reporting tools.
• Experience in working with regional teams.
• Strong attention to detail and organizational skills.
• Bachelor's degree in Business Administration, Finance, or a related field (Master's degree preferred).
• Proven experience (10+ years) in credit card management, preferably in a leadership role.
• Strong understanding of financial services regulations and compliance.
• Innovative mindset with the ability to identify and capitalize on market opportunities.
• Excellent analytical, problem-solving, and decision-making skills.