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, the Philippines, and Thailand). We have 3 key products:
- Atome BNPL: A leading buy now pay later brand in ASEAN and partners with thousands of online and offline brands
- Atome Card: A paylater anywhere card.
- Kredit Pintar: A leading Indonesian digital lending app, 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
We're looking for a detail-oriented
Product Manager to bridge the gap between seamless consumer credit journeys and rock-solid backend operations. If you can turn complex billing disputes into elegant product solutions, let's talk.
Core Responsibilities
- End-to-End Journey Ownership
- Lead the strategy and execution of core BNPL card user journeys, from onboarding and credit limit display to installment planning, billing, and repayment.
- Continuously optimize happy path flows to drive conversion while ensuring unhappy paths (delinquency, early settlement) are frictionless and transparent.
- Dispute & Servicing Excellence
- Own the product roadmap for Dispute Management & Customer Servicing.
- Automate and scale workflows for billing disputes, refunds, fee waivers, and appeals to improve SLA performance and reduce manual overhead for Operations.
- Cross-Functional Integration
- Act as the bridge between Engineering, Risk, and Compliance to translate complex regulatory requirements into clear PRDs, flowcharts, and technical specifications.
- Collaborate with external partners and merchants to define API integration boundaries and ensure a seamless go-live experience.
- Data-Driven Optimization
- Own the credit funnel metrics. Use SQL and analytics tools to track repayment behavior, conversion rates, and complaint trends.
- Conduct root-cause analysis on system exceptions and drive incremental product improvements to boost customer satisfaction (CSAT) and retention.
Requirements
- Experience: 3+ years in Product Management, specifically within Fintech, Lending, or Payments.
- Experience with complaint/dispute-related products is preferred, including ticketing/CRM workflows, billing disputes, returns/refunds flows, fee waivers, appeals, SLA tracking, QA/quality review, and knowledge base enablement.
- Strong requirement breakdown and cross-functional communication skills; detail-oriented with solid process thinking and sensitivity to edge/exception cases.
- Analytical Mindset: Comfortable diving into data to diagnose funnel drops or operational bottlenecks, hence it needs basic analytics skills (trend/funnel analysis, defining tracking events, and metric definitions).
- Regulatory Savvy: Understanding of consumer credit regulations and a compliance-by-design approach.
- Proficient in English communication and writing for cross-market collaboration; Mandarin is a plus.
- Familiarity with Southeast Asian users and local market practices is a plus.
