Finance (Loan Reconciliation) - Monee Credit

Monee; Jakarta Pusat; On-site; IDR 120,000,000 - 190,000,000; Full time

Job summary

Monee Credit, a leading digital payments and financial services provider, is seeking an experienced Finance (Loan Reconciliation) professional for its Jakarta team. The role focuses on accurate reconciliations of loan disbursements, repayments, and financing entries to support reliable financial records.

You will collaborate with Finance Operations and cross-functional teams, driving process improvements and timely reporting for HQ while ensuring compliance with internal controls and standards.

Qualifications

• 2–4 years of experience in accounting, finance operations, financial reporting, or related field.
• Bachelor's degree in Accounting, Finance, or related discipline.
• Familiarity with IFRS or PSAK; lending accounting knowledge is a plus.
• Experience in reconciliations, journal entries, and month-end close processes.
• Proficient in Excel and ERP platforms (Oracle preferred).

Responsibilities

• Perform daily and monthly reconciliations of loan disbursements, repayments, clawbacks, and settlements with bank funders.
• Investigate and resolve reconciliation discrepancies with internal stakeholders and banking partners.
• Prepare month-end schedules including amortisation of prepayments, fees, and financing transactions.
• Record journal entries for loan financing, borrowings, accruals, and related transactions.
• Reconcile repayment transactions between system reports and bank statements; resolve items with Finance Ops.
• Support monthly financial closing and reporting for HQ.
• Coordinate with Business Development, Marketing, Legal, and intercompany teams on financial transactions and accruals.
• Prepare documentation for loan write-offs and financing activities; ensure controls.

Skills

Analytical skills

Problem-solving

Attention to detail

Multitasking

Communication

Education

Bachelor's degree in Accounting/Finance

Tools

Oracle ERP

Excel

Google Sheets

Job description

Finance (Loan Reconciliation) - Monee Credit

Experienced (Individual Contributor) Jakarta

About Monee

Monee is a leading digital payments and financial services provider in Southeast Asia, with a growing presence in Latin America. Its mission is to better the lives of individuals and businesses in the region with financial services through technology.

Monee delivers a comprehensive range of digital financial products and services, including mobile wallets, payment processing, credit, banking, and insurtech. By leveraging technology and strategic partnerships, Monee aims to drive greater digital financial inclusion, convenience, and accessibility for individuals and small businesses across Southeast Asia and Latin America.

Monee is part of Sea Limited, a global technology company.

Job Description

• Perform daily and monthly reconciliations of loan disbursements, repayments, clawbacks, and settlements with bank funders, ensuring accuracy and completeness of financial records.
• Investigate and resolve reconciliation discrepancies, including system-related issues, by coordinating with internal stakeholders and relevant banking partners.
• Prepare month-end accounting schedules, including amortisation of prepayments, administration fees, loan-related expenses, and other financing transactions.
• Prepare and record journal entries related to loan financing, borrowings, accruals, and other relevant financial transactions, ensuring timely and accurate accounting treatment.
• Reconcile repayment transactions between system-generated reports and bank statements, and resolve outstanding items in coordination with Finance Operations and relevant teams.
• Support the monthly financial closing process, including preparation of financial reporting schedules, management reports, and ad hoc reporting requests from HQ.
• Coordinate with internal stakeholders, including Business Development, Marketing, Legal, and intercompany teams, on financial transactions, promotional arrangements, billing, and accrual requirements.
• Prepare supporting documentation for loan write-offs and other financing-related activities, ensuring proper coordination and compliance with internal procedures.
• Actively participate in process improvement and automation initiatives to enhance reconciliation efficiency, financial accuracy, and internal controls.

Requirements

• 2-4 years of experience in accounting, finance operations, financial reporting, or a related field. Fresh graduates with relevant internship experience are welcome to apply.
• Bachelor's degree in Accounting, Finance, or a related discipline.
• Good understanding of accounting principles, particularly IFRS or Indonesian Financial Accounting Standards (PSAK). Familiarity with lending or multifinance accounting will be an advantage.
• Experience in financial reconciliations, journal entries, and month-end closing processes; exposure to loan financing or banking transactions is a plus.
• Familiarity with accounting systems or ERP platforms (Oracle will be an advantage).
• Strong analytical and problem-solving skills, with attention to detail and the ability to investigate and resolve financial discrepancies.
• Proficient in Microsoft Office and Google Workspace, particularly Excel or Google Sheets.
• Good communication and interpersonal skills, with the ability to coordinate effectively with cross-functional teams and external stakeholders.
• Ability to manage multiple tasks, work independently, and meet deadlines in a fast-paced environment.