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.
We are a leading Asian FinTech company, proudly founded in Singapore by Singaporeans.
Here at moolahgo, we follow one principle, which is to serve all segments of the market and to make financial services accessible to everyone and anyone. Our genuine belief is that everyone deserves fast, fair, and affordable financial services.
We are currently experiencing high growth and seeking enthusiastic talents to join us.