Finance Associate

OneLot Financing Corporation; Makati; On-site; PHP 558,000 - 893,000; Full time

Job summary

OneLot Financing Corporation is seeking a Finance Associate to support its financial operations. You will ensure accurate loan accounting, timely reconciliations, and reliable reporting while maintaining compliance with applicable financial and regulatory requirements.

The role works closely with internal stakeholders and external partners, requiring attention to detail and the ability to work independently.

Qualifications

• Bachelor's degree in Accountancy, Finance, or related field; CPA preferred but not required.
• 3–5 years of relevant accounting/finance experience, preferably with lending/bnking/financial services.
• Strong understanding of accounting principles, financial reporting, reconciliations, and month-end closing.
• Knowledge of lending accounting concepts including interest recognition, EIR, PFRS 9, and loan book reconciliations.
• Familiarity with Philippine tax and regulatory requirements (DST, GRT, EWT).
• Proficiency in Excel or Google Sheets with ability to analyze and automate processes.

Responsibilities

• Maintain loan accounting records for disbursements, interest income, fees, collections, and provisions.
• Prepare reconciliations for bank, loan, and general ledger; support month-end closing with schedules and journals.
• Monitor daily cash balances, loan disbursements, dealer payouts, and cash flow forecasting.
• Prepare information for taxes and regulatory submissions; assist with audits for Philippine and Singapore entities.
• Produce timely financial reports and loan book summaries, ensuring consistency with records and operations.
• Identify opportunities to streamline processes and build tools/automation using spreadsheets.

Skills

Accounting knowledge

Financial reporting

Excel/Sheets

Analytical skills

Attention to detail

Education

Bachelor's degree in Accounting/Finance

Tools

Excel

Google Sheets

Google Apps Script

Job description

About the role

As a Finance Associate, you will support OneLot's financial operations by ensuring accurate loan accounting, timely reconciliations, reliable financial reporting, and compliance with applicable financial and regulatory requirements. You will work closely with internal stakeholders and external accounting partners to maintain accurate financial records, monitor cash movements, and support day-to-day finance activities. This is a hands-on individual contributor role that requires strong attention to detail, sound accounting knowledge, and the ability to work independently.

Key responsibilities

• Loan Accounting: Maintain accurate accounting records for loan disbursements, interest income, fees, collections, and provisions across OneLot's lending products.

• Reconciliations and Financial Closing: Prepare bank, loan, and general ledger reconciliations, supporting schedules, and journal entries. Coordinate with external accounting partners to ensure accurate and timely month-end closing.

• Cash Management: Monitor daily cash balances, loan disbursements, dealer payouts, and other financial transactions. Maintain cash monitoring reports and support short-term cash flow forecasting.

• Tax, Regulatory Compliance, and Audit: Prepare supporting information for applicable taxes, including DST, GRT, and EWT, and regulatory submissions. Monitor compliance requirements for the Philippine and Singapore entities and assist with annual audits.

• Financial and Management Reporting: Prepare accurate and timely financial reports, loan book summaries, and other management reports, ensuring consistency between financial records and operational systems.

• Process Improvement and Automation: Identify opportunities to streamline finance processes, including payment requests, reimbursements, reconciliations, and reporting. Develop and maintain practical tools and automations using spreadsheets and other available technologies.

What we're looking for

• Bachelor's degree in Accountancy, Finance, or a related field. CPA qualification is preferred but not required.

• 3 to 5 years of relevant experience in accounting, audit, or finance, preferably with exposure to lending, banking, or financial services.

• Good understanding of accounting principles, financial reporting, reconciliations, and month-end closing processes.

• Working knowledge of lending-related accounting concepts, including interest recognition, effective interest rate (EIR), loan provisions under PFRS 9, and loan book reconciliations.

• Familiarity with Philippine tax and regulatory requirements relevant to lending operations, including DST, GRT, and EWT.

• Strong proficiency in Microsoft Excel or Google Sheets, with the ability to organize, analyze, and reconcile financial data. Experience developing process automations or using tools such as Google Apps Script is an advantage.

• Strong analytical and problem-solving skills, with attention to accuracy, detail, and financial controls.

• Ability to work independently, take ownership of deliverables, communicate clearly, and identify practical ways to improve existing processes.