Operations Lead

Role : Operations Lead

Location : Hyderabad

Job Type : Full-Time

Hello, and welcome to Atlas!

About Atlas

Hello and welcome!

Atlas Consolidated Pte Ltd. owns and operates two lines of business : A B2B Banking as a Service platform, HugoHub; and Retail consumer finance apps, Hugosave in Singapore and HugoBank, an affiliate in Pakistan. Both are powered by HugoHub. Atlas is Headquartered in Singapore.

A regulated entity with strong credentials

Atlas Consolidated Pte Ltd satisfies stringent corporate governance, operations, and regulatory integrity requirements to maintain licenses from regulatory bodies, such as :

Monetary Authority of Singapore - Major Payment Institution license and Financial Advisors license;

Ministry of Law, Singapore - Regulated Precious Metals Dealers license; and

Visa Inc. - Principal Members Issuing licence.

HugoHub

HugoHub is a standalone B2B technology platform consisting of both frontend experience layer and backend platforms that offer a full suite of modular banking services through a single integration. HugoHub comprises five key Product Pillars : 1. Accounts, Wallets & Payments, 2. Card Programmes, 3. Wealth, Savings & Investments, 4. Full Stack BaaS (Banking as a Service) and 5. Bank of API’s

Using these Product Pillars, our clients can build financial products or full Digital Banks that delight their customers in any part of the world.

Hugosave

Hugosave is a personal financial management application that puts saving first. Our initial market is Singapore, but regional and global expansion is taking place swiftly. Through our product vision of Better Budgeting, Smarter Spending, and Sustainable Saving, we aim to build financially healthy and thriving communities. Hugosave has in excess of 100,000 customers and offers debit cards, precious metals and ETF products.

Who we are looking for and why

We are a hungry and driven team who are looking for an exceptional person to join us in fulfilling our mission.

We are looking for an experienced Operations Lead to lead the Operations Team and work alongside the Executive Management Team.

We need to continue to define, build and implement our operations strategy, architecture in support of this growth.

What a “Operations Lead” means to us

• Someone who challenges and sets operational strategies ensuring compliance with local and international regulations. They must oversee daily operational processing, including payments, card programs and operational treasury.
• The Company depends on the Operations Lead to set and deliver the operations strategy and provide leadership to the operations team. They work alongside the Customer Service, Compliance, Product, Technology and our Professional Service teams to deliver sustainable and scalable operations.
• They must have extensive knowledge in card payments, bank payment processing and reconciliation and excellence in customer service and care is a prerequisite for this role.
• Additional responsibilities will include oversight of our investment products putting in place cash management, settlement and reconciliation and first line risk management.

How you can help us

There are certain functions and capabilities we believe are essential to the role :

Proven experience and success across the various disciplines of operations, specifically in debit (and credit) card payments, domestic local banking rails and SWIFT payments - ideally within B2C e-wallet, FX and payment services sector;

Ability to improve our Operations and Treasury goals, in alignment with strategic business objectives. Experience with creating operational flows, suggesting product improvements and working on onboarding flows to provide seamless customer experience;

Responsibility for building, training and developing a team for future scale in support of a global business;

Implementation of robust internal controls to ensure risk management in the day-to-day running of the team. Mitigating risk and operational error through fostering a dialogue of ‘openness, honesty and transparency;

Treasury Management - including debit cards, cash, FX and physical gold of customer and operational accounts, ensuring timely payment processing, confirmation and reconciliation;

Debit Card Issuing program and operational management - working with card networks, e.g. VISA, Mastercard to ensure operational adherence on network rules and guidelines, complete with knowledge of card settlement processes - fees, refunds and chargebacks;

Work closely with the finance controller to ensure operational, third party payments, and aggregated customer accounts net balance to zero each day and meet the regulatory reporting schedules of the relevant regulatory bodies by country, notably on meeting strict capital buffer requirements for the customer balances;

Work with the Compliance, Product and Technology teams to implement automated solutions for primarily for operations, compliance, customer onboarding and support;

Play a lead role in maintenance of quality assurance processes and implement streamlined processes for customers;

Develop and manage vendor relationships and build upon strategic partnerships;

Experience working across regions;

Combining market research with a data driven analytical approach to drive the strategy, understand the value proposition, set goals and demonstrate ROI;

Creating competitor and market analysis, staying ahead of trends and competitor positioning; and

Propagating our purpose, mission, vision and values.

What we would consider as added value

Skills and capabilities we believe are highly relevant include :

8+ years of proven experience in a lead / senior operations role;

Bachelors / Masters degree or equivalent in a relevant subject area;

Multidisciplinary experience within operational roles in financial services or fintech;

Experience with Card networks on acquiring side;

Experience with consumer asset management operations, equity, bonds and FX;

CMS certified in Singapore (CMFAS);

Strong knowledge of Southeast Asian markets (particularly Singapore);

Passionate about joining an early stage Fintech;

Ability to identify, build and enhance key relationships, influence and challenge as required;

Superior time management and very organised with excellent interpersonal and presentation skills; and

Fluent English speaker and writer, ideally with local language skills.

Performance indicators to get you off to a great start

A touch down quick win (30 Days) :

Acclimatise with our Operations team and rapidly come up to speed with our existing Standard Operating Guidelines (SOGs);

Understand team members roles and responsibilities to begin assessment of Operations, Treasury and Customer Support functions;

Meet and develop relationships with all our key third party providers; and

Lead the Operating forum for our retail product, Hugosave.

Found your feet (90 Days) :

Assess how we can improve and optimise Operational functions so we can create highly efficient teams;

Work with founders and the team to define what is a best-in-class operations team - we believe this is a function of Operational Technology, well defined processes and suitable internal controls which enable efficient delivery;

Take on the operational risk management framework and first line of defence reporting responsibilities to ensure continued cultural awareness of operational, compliance and business risk;

Develop robust business continuity plan to be updated based on growth of company and annually; and

Well into your stride (180 Days) :

Ensure we implement and develop Operational Technology systems to improve operational efficiencies - automation and cost benefits;

Ensure including cross functional training of your growing team; and

Work closely with founders and compliance team on new regional or country opening needs.

Our Values : Product being Responsible, Open and Collaborative

You should be passionate about what Atlas stands for :

Honest, truthful and open communication at all times;

We are responsible to our corporate clients and retail customers and our team to help shape a more open, collaborative approach to wealth. This is the way Atlas aims to build better communities;

Shared responsibility is not only part of our approach to wealth but a key part of how we work together. This shared responsibility allows for openness and candour between us as a team and in our relationship with our customers; and

Good ideas can come from anywhere, so an open and collaborative dialogue between the Atlas community (corporate clients, retail customers, team and stakeholders alike) helps get the best from us all and helps make the difference.

Everyone is welcome to apply