90 Financial Operations jobs in Indonesia

Xendit provides payment infrastructure across Southeast Asia, with a focus on Indonesia, the Philippines and Malaysia. We process payments, power marketplaces, disburse payroll and loans, provide KYC solutions, prevent fraud, and help businesses grow exponentially. We serve our customers by providing a suite of world-class APIs, eCommerce platform integrations, and easy to use applications for individual entrepreneurs, SMEs, and enterprises alike.

Our main focus is building the most advanced payment rails for Southeast Asia, with a clear goal in mind — to make payments across and within SEA simple, secure and easy for everyone. We serve thousands of businesses ranging from SMEs to multinational enterprises, and process millions of transactions monthly. We've been growing rapidly since our inception in 2015, onboarding hundreds of new customers every month, and backed by global top-10 VCs. We're proud to be featured on among the fastest growing companies by Y-Combinator.

About the Job

You are looking for a challenge, eager for a fast-paced startup environment that will push you out of your comfort zone, where learning happens. Most importantly, you're a problem solver with exquisite attention to detail , unafraid to get technical to understand the root cause of an issue.

As a Financial Operations Associate, you will be part of the Financial Operations team responsible for ensuring the seamless flow of funds for the countless transactions happening on the Xendit platform daily. This role will be part of a new subteam being formed within FinOps to own reconciliations across the entire organisation, driving high impact across the region by ensuring all funds are moving as they should and we have full oversight over all movements.

If you can be accurate and detail-oriented under pressure, are always reliable, collaborative, and love the dynamic environment of operations, we want to hear from you. Bonus points for those who love challenging the status quo.

Minimum Qualifications

• Graduate of Management, Accounting, Finance, or a similar course, and 1-3 years of relevant experience in a start-up/fast paced environment or within the payments, fintech, or financial services spaces
• Excellent verbal and written communication skills in English
• Working knowledge of Microsoft Office Suite
• You are detail oriented, can see patterns in data/information or notice when something is amiss
• Located in Jakarta, Indonesia

Preferred Qualifications

• Experience working in or dealing with banks or large financial institutions
• You have the initiative to continually ask questions and look for answers
• You have a discerning ability to prioritize workload in line with tight deadlines and work effectively under pressure
• You are a team player and communicate well with internal and external stakeholders
• You have great ownership mentality and have proven you can push towards a goal by yourself
• You pick up new skills quickly using a combination of self-exploration and relationship building
• You are a creative thinker who considers problems from a customer perspective while being pragmatic and solutions oriented when solving them
• You have fun in learning and always seeking to improve

Responsibilities

Own & execute reconciliations for Xendit's day-to-day financial operations

• Own the reconciliation process for all Xendit products across the region, ensuring that all funds are moving as expected and Xendit does not have any exposure or incorrect transactions
• Work with the product teams on automating recons across products and the region to ensure no gaps in the process and Xendit is protected against money loss
• Have the opportunity to learn how Xendit operates from the ground up and make a real impact on the future of the organization

Coordinate with internal and external stakeholders

• Solve for unreconciled transactions by working with product, partnerships and finance to identify and resolve root causes

Set up recons for any new products

• As new products are launched and we expand to new markets, set up and own the reconciliation processes to ensure that at all points, Xendit recons are operating at best in class standards

Do whatever it takes to make Xendit succeed

About OTO

(automotive financing service marketplace) is a part of CarDekho SEA (India's biggest digital automotive solutions provider). operates the business across Indonesia and initially focuses on new car dealerships and expanding the new business unit for used car financing, re-financing, dealer inventory funding, multifinancing, and auto insurance.

We are seeking a detail-oriented and proactive FinOps Manager to oversee and continuously improve our financial transaction processes. This role is critical in ensuring the accuracy, timeliness, and integrity of financial operations, supporting strategic decision-making and operational excellence.

• Oversee end-to-end financial transaction processes, including disbursements, repayments, and reconciliations.
• Ensure data accuracy and completeness through daily, weekly, and monthly reconciliations (e.g., bank statements, ledgers, virtual accounts).
• Investigate and resolve discrepancies between internal systems and third-party platforms (banks, payment gateways, and partners).
• Drive operational efficiency and reduce risks through process automation, development of SOPs, and implementation of effective tools.
• Monitor fund movements and ensure adequate liquidity across all operational accounts.

• Bachelor's degree in Finance, Accounting, Economics, or a related field.
• Minimum 3-6 years of experience in financial services is highly preferred, especially in P2P lending, multifinance, or banking.
• Growth mindset with a proactive, solution-oriented approach.
• Strong proficiency in spreadsheets and handling large-scale data sets.
• Deep understanding of financial reconciliation and business processes, and how they integrate with financial operations.
• Exceptional work ethic, attention to detail, and reliability.
• Experience in financial services is highly preferred, especially in P2P lending, multifinance, or banking.

• Overseeing daily financial operations, including accounts payable, accounts receivable, and general ledger management.
• Managing bank reconciliations and ensuring accuracy of financial records.
• Preparing timely and accurate financial statements and reports for management.
• Ensuring compliance with local and international accounting standards and tax regulations.
• Developing and implementing internal financial controls and procedures.
• Assisting with budgeting, forecasting, and financial planning processes.
• Collaborating with external auditors during financial audits.
• Identifying opportunities for process improvements and cost savings within financial operations.
• Managing and mentoring the finance team, providing guidance and support.
• Utilizing financial software and systems effectively to streamline operations.

• Prepare accurate and timely financial statements, including profit and loss statements, balance sheets, and cash flow statements.
• Perform balance sheet reconciliations and ensure the integrity of financial data.
• Manage accounts payable and accounts receivable processes, ensuring timely payments and collections.
• Assist with the preparation and execution of internal and external audits.
• Contribute to the month-end and year-end closing processes, ensuring all deadlines are met.
• Develop and maintain budgets, forecasts, and financial models.
• Conduct financial analysis, identify trends, and provide actionable insights to management.
• Ensure compliance with all relevant accounting regulations and standards.
• Implement and improve accounting processes and internal controls.
• Collaborate with other departments to provide financial support and guidance.

• Bachelor's degree in Accounting, Finance, or a related field.
• Professional accounting certification (e.g., CPA, CA) is highly desirable.
• Minimum of 5 years of progressive accounting experience.
• Strong knowledge of accounting principles (GAAP/IFRS).
• Proficiency in accounting software (e.g., QuickBooks, SAP, Oracle) and advanced Excel skills.
• Experience with financial reporting and analysis.
• Excellent analytical, problem-solving, and decision-making skills.
• Strong understanding of Indonesian tax regulations and reporting requirements.
• Ability to work independently and manage multiple priorities in a remote setting.
• Excellent communication and interpersonal skills.

1. Magister Akuntansi (Fresh Graduate diperbolehkan untuk bergabung)
2. Minimal 2 Tahun bekerja di perusahaan FMCG dengan posisi yang sama (lebih diutamakan)
3. Memahami dan berpengalaman mengolah cost volume profit, break event analysist, dan activity based costing
4. Memiliki kemampuan berpikir logis, komunikatif, kritis, dan skill negosiasi yang tinggi
5. Terbiasa menentukan cost driver dan penentuan alokasi biaya yang efektif
6. Dapat menentukan akurasi biaya perproduk untuk penentuan COGS ataupun forecash perusahaan
7. Memiliki pemahaman terkait dinamika FMCG ataupun Manufaktur
8. Penempatan : Jemursari, Surabaya

Job Description

• Cost and Expense Management : Responsible for the construction of the company's cost management processes and systems, in charge of the construction of the CG Cost Control system, and promoting the digitalization of cost management.
• Cost and Expense Analysis : Responsible for preparing the company's cost reports, building analysis models, conducting in-depth analysis of cost and expense data, and promoting the company's cost reduction and efficiency improvement initiatives.
• Cost and Expense Monitoring : Understand and streamline the company's business processes, identify opportunities for cost and expense control, provide professional advice, and offer decision-making support to management.
• Cost and Expense Budgeting : Assist in the preparation of the company's annual budget, monitor the implementation of cost-related budget indicators, and ensure the effective allocation and utilization of resources.
• Project Cost Analysis: Build a project cost-benefit calculation model, conduct cost-benefit analysis on the company's major projects, and provide data support for decision-making.
• Other Tasks : Comply with the company's requirements and complete other temporarily assigned tasks on time.

Job Requirement

• Education and Major : Bachelor's degree or above, majoring in finance, accounting, statistics, other economic disciplines, computer science, or other related fields.
• Skills: Proficient in using various work software, skilled in data analysis or model building; possess strong financial expertise, with preference given to those holding (optional: junior, intermediate, or senior) accounting titles.
• Work Experience: More than 3 years of financial work experience, with preference given to those with financial work experience in large enterprises or express logistics companies, and those with experience in financial system construction; outstanding fresh graduates are also eligible.
• Personal Characteristics: Possess strong logical thinking, learning, communication, and teamwork skills, as well as a high sense of responsibility and stress tolerance.
• Language Requirements: Preference will be given to Chinese-Indonesian bilingual individuals.

• Assist in collecting, organizing, and analyzing financial data.
• Support the preparation of financial statements and reports.
• Contribute to building and maintaining financial models.
• Conduct basic market research and competitor analysis.
• Assist senior analysts with ad-hoc financial projects.
• Participate in departmental rotations to gain broad exposure.
• Learn and apply accounting and financial principles.
• Attend training sessions and workshops to enhance professional development.

• Recent Bachelor's degree graduate in Finance, Accounting, Economics, Business Administration, or a closely related field.
• Strong academic record (GPA minimum 3.0 or equivalent).
• Basic understanding of financial accounting, corporate finance, and investment principles.
• Proficiency in Microsoft Excel is mandatory; knowledge of other office suite applications is beneficial.
• Excellent analytical and problem-solving skills.
• Strong attention to detail and accuracy.
• Good written and verbal communication skills in Bahasa Indonesia.
• Eagerness to learn and adapt in a fast-paced professional environment.

• Assist in the preparation of financial reports, statements, and presentations.
• Support the financial modeling team in developing and maintaining complex financial models.
• Conduct in-depth financial analysis, including ratio analysis, trend analysis, and variance analysis.
• Gather and interpret financial data from various sources, ensuring accuracy and completeness.
• Assist in the budgeting and forecasting processes.
• Perform market research and industry analysis to identify potential investment opportunities and risks.
• Contribute to the evaluation of financial performance against benchmarks and strategic objectives.
• Learn and apply accounting principles and financial regulations.
• Support the team in ad-hoc financial projects and data requests.
• Shadow senior analysts to gain practical insights into financial decision-making.
• Maintain organized financial records and documentation.

• Recent graduate with a Bachelor's degree in Finance, Accounting, Economics, or a related quantitative field.
• Strong understanding of financial principles, accounting concepts, and financial markets.
• Excellent analytical, quantitative, and problem-solving skills.
• Proficiency in Microsoft Excel, including advanced functions like pivot tables and VLOOKUP.
• Familiarity with financial software or ERP systems is a plus.
• Strong written and verbal communication skills.
• High level of integrity, attention to detail, and commitment to accuracy.
• Ability to work collaboratively in a team environment and manage multiple tasks.
• Eagerness to learn and develop expertise in financial analysis.
• Must be available to work from **Pekanbaru, Riau, ID** in a hybrid capacity, with some in-office presence required for team collaboration and training.