Matthew Rowe

Finance and operations leader with 12+ years in fintech and payments, scaling an early-stage APAC startup and later driving regional credit risk at enterprise level for an MNC. Deep expertise in financial analysis and reporting, forecasting and operational performance. Strong background in P&L ownership, cashflow planning, reconciliations, AP/AR management, general ledger oversight, and month-end closing, with proven experience leading and developing a finance team.

Extensive SME experience across finance and operations, building scalable systems and processes in resource lean environments. Worked closely with C-level leadership to advise on financial strategy and short to long-range cashflow management. Manufacturing accounting experience, as well as high-transaction ecommerce exposure, supported by over a decade of sales experience prior to transitioning into finance, strengthens my commercial and operational foundation.

Known for analytical depth, operational discipline, and the ability to execute and scale in fast-moving, high-growth settings.

Enterprise Credit Risk Manager (APAC & China) at Worldpay (2024-05 – Present)

• Managed credit risk strategy for enterprise clients across APAC and China, overseeing issuer profiling, transaction risk assessment, and exposure mitigation.
• Developed and maintained regional credit risk frameworks aligned with regulatory requirements and internal compliance standards.
• Led credit evaluations for high-value clients, including onboarding risk reviews, limit setting, and ongoing monitoring of payment behaviour and financial health, collaborating with sales, legal, compliance, and operations teams.
• Delivered regular credit risk reporting and insights to C-level and senior leadership, highlighting trends, exposures, and recommendations to mitigate risk exposure as part of the global credit risk team.
• Supported enterprise client negotiations by advising on collateral requirements, and contractual protections.
• Regularly conducted meetings with C-Level client leaders to mitigate risk whilst building and maintaining key partnerships.
• Contributed to the development of automated credit risk tools and dashboards to enhance decision-making and operational efficiency

Head of Payment Operations at iPaymy Technologies Pte Ltd (2021-08 – 2024-03)

• Led payment operations team, overseeing approvals, reconciliations, and ensuring timely, accurate transaction processing across APAC.
• Managed end-to-end payment lifecycle—from customer onboarding to settlement—across platforms including Stripe, Worldpay, AMEX, DBS, and ANZ.
• Owned supplier relationships with payment tech providers; implemented new initiatives and tracked performance against SLAs.
• Delivered financial reporting and analysis (P&L, balance sheets) for internal and external stakeholders including investors and executive leadership.
• Collaborated with cross-functional teams to enhance operational efficiency and mitigate payment and fraud risks while maintaining customer experience.
• Supported strategic partnerships and advised on project suitability; led execution of approved initiatives.
• Coordinated audits with internal and external teams to meet regulatory and licensing requirements.
• Spearheaded product and process improvements through project management, enhancing accuracy, efficiency, and SOP quality

Finance Operations Manager at iPaymy Technologies Pte Ltd (2018-10 – 2021-08)

• Management of the payments process function, creating payments for approval, cash flow reconciling, bank account reconciling, ensure daily payments for customers are completed timely and the payments adhere to compliance in line with internal and external AML / KYC policies and regulations.
• Responsible for weekly and monthly financial reporting and analysis, to provide performance insight to key stakeholders.
• Due to the importance of dealing with client monies, ensure that procedures are followed accurately. Identify and assist in implementing enhancements where procedures and process can be improved.
• Analysing card scheme and interchange costs to advise of revenue and costs, to help form business growth strategies on profitability improvement.
• Building reports to analyse previous sales and financial performance for long term planning and forecasting.
• Responsible for the smooth and efficient process of payments being made, nurturing, and building relationships with external technology providers and partners, as well as internal key stakeholders.
• Collaborate closely with technology and engineering team to improve design of platform, developing improved processes to UI for a better customer experience.

Finance Manager at Newpark Solutions (2015-11 – 2017-11)

• Overall management of entire financial function of the business, accounts receivable, accounts payable, general ledger, credit control including payroll and employee benefits.
• Team management of 2 finance staff with direct responsibility of the accounting and bookkeeping operations, month end reporting and year-end financial statements.
• Oversaw reconciliation of all business accounts and all government-required submissions such as VAT.
• Provided accurate long-term planning and forecasting reports providing financial analysis, to ensure sufficient working capital for the successful management and completion of projects.
• Supported executive decision making by analysing P&L and completing budget cash flow forecasts.
• Worked closely with senior management of large organisations including Mastercard, Savills, NHS England, and UK Forestry Commission, assisting the managing director in closing strategic deals.
• Responsible for providing sufficient cashflow to for strategic projects timely completion to key clients.
• Supported the business development drive of the business, assisting to manage, train and develop 4 sales staff.

Assistant Management Accountant at Newpark Solutions (2015-05 – 2015-11)

• Preparation of cashflow forecasts, closure of monthly and annual P&L and BS, working with external accountant.
• Assist project team with tender quotes.
• Complete reconciliation of all business accounts transactions.
• Prepare and submit quarterly VAT returns.
• Responsible for collection of revenue through credit control.
• Complete Payroll and employee contributions.

Assistant Management Accountant at Shirtbox (2011-12 – 2015-05)

• Oversaw all transactional duties, financial activities, and VAT returns.
• Responsible for accounts receivable and accounts payable.
• Ensured consistent revenue by analysing and managing product costs for over 200 lines.
• Bank reconciliations of over 10 accounts, managing transactions in GBP, USD, AUD, and EUR.

Contact Centre Sales, Customer Service, Credit and Collections at Various (2001 – 2011)

10 years contact centre sales, customer service, credit and collections experience across banking and utilities industries.

BA Hons in Business Enterprise – University of the West of England (2011 – 2014) - First Class

Access to Higher Education Diploma – City of Bristol College (2010 – 2011)