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 Description
Drive actionable analytics and reporting to optimize card collections performance, reduce delinquency, and improve recovery rates across Atome Malaysia.
Key Responsibilities
- Build, maintain and automate regular collections dashboards and scorecards (weekly/monthly) for KPIs such as DPD buckets, cure rates, roll rates, contact rates, promise-to-pay (PTP) conversion, and recovery yield.
- Segment delinquent accounts, identify high-risk cohorts, and model prioritization rules to improve collector productivity and expected recoveries.
- Run root-cause analyses on trends (e.g., spikes in DPD) and propose data-backed remediation actions to Collections Ops and Product teams.
- Support A/B tests of outreach strategies (SMS/phone/email), measure lift, and translate results into recommendations.
- Collaborate with Collections Managers to translate analytic findings into operational playbooks and collector scorecards.
- Maintain data quality and documentation (data definitions, lineage, assumptions).
- Provide regular insights and presentations to stakeholders (Collections Lead, Finance, Risk).
