Credit Risk Manager (SME Lending)
Location: Singapore (Freelancer)
About Tutum
Tutum provides working-capital loans to SMEs in Singapore. We focus on fast, fair credit decisions, disciplined underwriting, and transparent reporting across the full loan lifecycle.
Role overview
You will build and own Tutum's credit risk framework end-to-end: policy, models, underwriting, portfolio monitoring, and controls. This is a hands-on role for someone who can design the system and run it.
Key responsibilities
- Establish credit policy and risk models: prescreening criteria, scorecards, borrower grading, limits, covenants, and exception standards.
- Formalise and document the full lending workflow from origination to disbursement, monitoring, collections, and restructuring.
- Underwrite new and existing borrowers: analyse financial statements and 612 months of bank data; assess cash flow, DSCR, seasonality, counterparty concentration, and sector risks.
- Set and review credit limits; monitor utilisation, dilution, and account conduct; recommend limit changes based on performance.
- Verify security documentation prior to disbursement and oversee security perfection where applicable.
- Monitor portfolio health: early-warning triggers, arrears, NPL management, restructures; produce weekly and monthly risk reports and dashboards.
- Lead third-party risk reviews; perform due diligence and draft concise risk/compliance memos.
- Collaborate with Sales and Operations on BAU case handling; mentor junior team members; manage broker/partner referral processes.
- Prepare materials for risk committee meetings and audits; maintain policies, procedures, and incident logs.
What you bring
- 5+ years in SME/commercial credit risk or lending in Singapore (bank or fintech), ideally with working-capital or trade finance experience.
- Strong financial and cash-flow analysis skills; ratio analysis and debtor ageing; able to make sound decisions with imperfect data.
- Experience designing scorecards/ratings, exposure limits, covenants; familiarity with PD/LGD/ECL is an advantage.
- Solid understanding of KYB/KYC, AML/CFT, and documentation standards; able to ensure clean, disbursement-ready files.
- Clear communication, attention to detail, and ownership mindset in a fast-moving environment.
- Nice to have: FRM/CFA; experience in collections, restructures, and remediation.
Success in 612 months
- Loss and arrears within risk appetite; DPD30/DPD90 trending down.
- Time-to-decision and time-to-cash within SLA.
- Clean audit trail and reliable dashboards.
- Data-backed repeat-borrower and limit-increase decisions.
Why Tutum
Build the credit engine from the ground up, ship improvements quickly, and see your decisions translate into real outcomes for SMEs.
