Business & Operational Director

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:

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

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:

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

Product Development and Management:

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

Revenue Generation and Financial Performance:

• 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.
• Continuously assess and optimize fee structures, interest rates, and rewards/loyalty programs to maximize revenue and customer value.

Risk Management and Compliance:

• Maintain a strong understanding of regulatory requirements and industry best practices
• 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.

Team Leadership and Development:

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

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:

• 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.
• Demonstrated track record of achieving revenue targets and driving business growth.
• Excellent analytical, problem-solving, and decision-making skills.
• Exceptional leadership and team management abilities.
• Excellent communication and interpersonal skills.
• Experience in working with regional teams.
• Proficiency in financial analysis and reporting tools.
• Innovative mindset with the ability to identify and capitalize on market opportunities.
• Strong attention to detail and organizational skills.

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