Finance & Accounting Manager

About Moolahgo & the Role

Moolahgo Pte. Ltd. is a Singapore-based, MAS-licensed Major Payment Institution providing financial operating infrastructure for businesses expanding across Asia. We are looking for a hands-on Finance & Accounting Manager to lead our day-to-day treasury, cash management, and financial reporting functions, and to supervise a small accounting team. This role reports directly to the CEO and works closely with Compliance, Technology, and Operations to safeguard customer funds and uphold strong financial controls in a fast-growing, regulated fintech environment.

Key Responsibilities

Treasury & Cash Management

• Monitor daily balances across all bank and counterparty accounts; arrange sweeping and pooling of treasury funds as required
• Review daily cash position and manage liquidity positions for operational and settlement needs
• Oversee daily cash book checking and reconciliation; review cashbooks prepared by team members

Reconciliation & Payment Review

• Upload and reconcile counterparty statements against internal accounts and the company's Payment Registers
• Investigate discrepancies; escalate to management where needed
• Review and approve payments in accordance with the company's approval matrix

Customer Funds & Safeguarding

• Monitor customer balances and ensure funds are properly segregated from the company's operating funds
• Reconcile customer liabilities and transaction records; investigate and promptly rectify any discrepancies

Financial Closing & Reporting

• Lead timely and accurate monthly closing of the full set of consolidated accounts at company and group level
• Ensure transactions are accurately recorded in the accounting system; investigate unusual balances or movements
• Review the P&L and balance sheet for reasonableness; analyse and explain variances
• Prepare ad hoc financial analysis and support management decision-making with financial data

Controls, Audit, Tax & Compliance

• Maintain and continuously improve process, financial, and system controls
• Lead the annual Financial Audit and MAS Audit, as well as tax and corporate secretarial matters
• Support annual budgeting and periodic forecasting; ensure timely statutory filings (corporate tax, GST, ACRA) in coordination with tax agents and company secretary
• Work closely with Compliance to flag suspicious or unusual transactions identified during monitoring
• Partner with Technology to enhance system controls and automation, and to resolve system issues

Team Leadership & Stakeholder Management

• Supervise and mentor accounting team (AR & AP); review their work and provide guidance on accounting and reconciliation issues
• Liaise with Operations on manual adjustments (top-ups, transaction processing, refunds) requiring approval
• Support the CEO with monthly management account summaries and ad hoc data for investor/shareholder meetings

Requirements & Qualifications

• Bachelor's degree in Accountancy, Finance, or a related field; professional qualification (e.g. CA Singapore, ACCA, CPA) preferred
• At least 5-8 years of relevant accounting/finance experience, including 2-3 years in a supervisory or managerial capacity
• Prior experience in payments, fintech, banking, or financial services strongly preferred; familiarity with MAS regulatory requirements (e.g. Payment Services Act, AML/CFT) is an advantage
• Strong working knowledge of full-set accounting and month-end closing processes
• Proficiency in Xero or similar accounting systems; strong Excel skills
• Solid understanding of bank reconciliation, treasury/cash management, and internal controls
• Experience managing or mentoring a small team
• High attention to detail, strong analytical and problem-solving skills, and the ability to work under tight deadlines
• Excellent communication skills, with the ability to work cross-functionally across Compliance, Operations, Technology, and senior management
• High level of integrity and discretion, given the nature of handling customer funds and sensitive financial data
• Due to extensive partnerships with China-based counterparties, fluency in Mandarin (written and spoken) will be an added advantage to converse with such counterparties.

Preferred / Nice-to-Have

• Experience with multi-currency transactions and cross-border payment reconciliation
• Exposure to statutory audit, tax filing, and company secretarial coordination
• Experience working with or supporting a licensed Major Payment Institution or similar regulated entity
• Familiarity with data analysis tools, or willingness to use AI-assisted tools to enhance reporting and analysis efficiency
• Experience in a fast-paced startup or scale-up environment

What We Offer

Join a fast-growing, MAS-licensed fintech at the forefront of cross-border payments in Asia. You'll work closely with senior leadership, gain exposure across the full spectrum of financial operations, and play a key role in shaping the finance function as we scale. We offer a collaborative, hands-on environment with opportunities for growth as the company expands into new markets and products.