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, Philippines, and Thailand). We have 3 key products:
- Atome BNPL: A leading buy now pay later brand in ASEAN and partners over thousands of online and offline brands
- Atome Card: A paylater anywhere card.
- Kredit Pintar: A leading Indonesia digital lending apps, 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
Job Overview
The Data Analyst in the Collections and Credit Department will be responsible for analyzing and interpreting complex data to support decision-making processes related to credit management and collections. The role involves leveraging data to identify trends, assess risk, and develop strategies that enhance the efficiency and effectiveness of the department's operations. The ideal candidate will have a strong analytical mindset, attention to detail, and the ability to communicate insights clearly to various stakeholders.
Key Responsibilities
Data Analysis:
- Collect, clean, and analyze data from various sources, including financial systems and databases.
- Develop and maintain reports and dashboards to monitor key metrics related to credit and collections performance.
- Identify trends, anomalies, and opportunities for improvement within collections and credit processes.
Risk Assessment
- Assess credit risk by analyzing customer credit profiles and payment histories.
- Develop predictive models to forecast delinquency and default rates.
- Provide actionable insights to mitigate risk and improve credit decision-making.
Reporting And Communication
- Prepare detailed reports and presentations for management on credit and collections performance, trends, and risks. Communicate findings and recommendations effectively to stakeholders across departments.
Process Improvement
- Collaborate with the Collections and Credit team to identify areas for process improvement.
- Develop and implement data-driven strategies to optimize collections efforts and credit policies.
Compliance And Documentation
- Ensure data integrity and compliance with internal policies and external regulations.
- Maintain accurate documentation of data analysis processes and methodologies.
Qualifications
- Education: Bachelor's degree in Data Science, Statistics, Mathematics, Finance, Economics, or a related field. Advanced degree or relevant certifications (e.g., CFA, CPA) are a plus.
- Experience: Minimum of 2-4 years of experience in data analysis, preferably within a collections or credit environment.
Technical Skills
- Proficiency in data analysis tools such as SQL, Excel, Python, or R.
- Experience with data visualization tools like Tableau, Power BI, or similar.
- Knowledge of statistical analysis and predictive modeling techniques.
- Analytical Skills: Strong analytical and problem-solving skills with a keen eye for detail.
- Communication: Excellent written and verbal communication skills with the ability to present complex data in a clear and concise manner.
- Teamwork: Ability to work collaboratively in a team-oriented environment.
- Attention to Detail: High level of accuracy and attention to detail in data handling and analysis.
Preferred Skills
- Familiarity with collections and credit management practices.
- Experience with financial systems and databases.
- Knowledge of regulatory requirements related to credit and collection is a plus.
- Mandarin speaking capabilities and fluency is needed for this role.
