About the role
This role is for a is a newly launched SME lender preparing to enter the market. We offer working capital loans & other financing solutions to Singapore SMEs. You will be our first hire - working directly with the owner to take the business from zero to one.
This is an entrepreneurial role. For the first 3-6 months you will operate solo, along with the founder, across every part of the business: credit, operations, product, design reviews, go-to-market. As we launch and scale, additional hires will follow and you will have the opportunity to step up as Head of Credit & Operations or General Manager based on your interests, capability and performance.
In addition to the salary, milestone bonus up to S$30,000 in Year 1, tied to actionable targets, and measurable portfolio quality KPIs.
What you'll do
- Credit underwriting model - design and operationalise our credit policy, scorecards, and underwriting workflow end-to-end
- Business process design - build the operational playbook across origination, credit, disbursal, servicing, collections, and reconciliation
- Product & tech collaboration - provide lending-domain input into our ongoing LMS/LOS build coordinate with founder & web developer on design, UX, and workflow automation
- Launch execution - help take the business live and iterate based on real portfolio signals
- Zero-to-one everything - SOP authoring, compliance policies, partner onboarding, first hires, and whatever else the business needs
Who we're looking for
- 7-8+ years in SME lending, ideally from a non-bank lender, finance company, or fintech (Funding Societies, Validus, Aspire, Hong Leong Finance, Sing Investments, Ethoz, etc.)
- Hands-on experience in credit underwriting, loan processing, or portfolio management for Singapore SMEs - wide breadth of knowledge and deep understanding of the SME lending business model, underwriting, lead generation, and other best practices
- High agency, independent, driven - comfortable operating without structure, defining your own priorities, and shipping
- Extremely high integrity - non-negotiable given our industry context and the trust customers place in a lender
- Strong operational instincts able to go from what should the process look like to a documented workflow and working team
- Singaporean or PR only
What we offer
- Real ownership of the credit and operations function from day one - you build it, you run it
- Short decision cycles, no committees, no politics
- Clear path to Head of Credit & Operations / GM within 12-18 months on strong execution
- Milestone bonus up to S$30,000 in Year 1, tied to measurable loan book growth and portfolio quality - you share in the upside of what you help build
How to apply
Apply via the MyCareersFuture button. Shortlisted candidates will be invited to a first conversation with the founder.
