Account Manager

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:

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 Description

Merchant Relationship & Performance Management

• Build and maintain strong, long-term relationships with a portfolio of strategic merchant partners, acting as their primary point of contact and trusted advisor
• Develop a deep understanding of each merchant's business goals, challenges, and success metrics to offer tailored solutions and services
• Act as the primary point of contact to support merchant growth, satisfaction, and performance
• Collaborate with the marketing team to co-develop comprehensive partnership plans aligned with lifecycle and commercial goals
• Support new merchant onboarding and act as a strategic growth partner post-acquisition - including discuss strategic opportunities, and address business challenges

Campaign Strategy & Execution

• Collaborate with various team on online/offline campaigns aligned with lifecycle goals.
• Work closely with the marketing team to ensure merchants are included in relevant platform campaigns, loyalty programs, and seasonal pushes.
• Coordinate end-to-end campaign execution with merchants, including briefing, asset collection, and timeline management.
• Ensure seamless campaign integration by aligning campaign timing, messaging, and target segments.
• Monitor campaign results, share performance insights with internal teams and merchants, and recommend data-driven improvements.

Business Growth & Problem Solving

• Analyse merchant KPIs including GMV, transaction volume, conversion rate, and user acquisition to identify trends and risks.
• Identify opportunities to expand Atome's solutions within existing accounts — including marketing integrations, loyalty tie-ins, or feature adoption.
• Support merchant commercial discussions (e.g., transaction fees, marketing support) with data-backed recommendations.
• Navigate and resolve merchant issues or escalations with professionalism and urgency.
• Proactively recommend strategies to improve merchant performance and maximize their ROI on the Atome platform.
• Track merchant sales performance regularly and identify opportunities for reactivation or upselling.

Cross-functional Collaboration

• Represent the merchant voice across teams — working with Marketing Operations, BI, etc.
• Share merchant insights with Marketing and operations to inform campaign planning and product roadmaps.

Job Requirements:

• 3+ years of experience in Account Management, Business Development, or Partner Management, preferably in e-commerce, fintech, or payments.
• Growth mindset with a results-oriented approach and a focus on achieving KPIs and driving business growth.
• Strong merchant & customer-centric mindset and ability to deliver client satisfaction at scale.
• Excellent communication, negotiation, & interpersonal skills across levels of stakeholders.
• Strong analytical & problem-solving skills; able to translate data into actionable.
• Self-motivated and adaptable in a dynamic, fast-paced environment.
• Proficiency in English is required; Bahasa Malaysia and/or Mandarin is a strong advantage due to regional coverage.