Credit Underwriter
Full Time
Others
Job Description
Aspire is the leading all-in-one finance operating system for growing businesses in APAC. We are on a mission to reinvent business finance for a new generation of entrepreneurs and business owners, empowering startups and MSME to realise their full potential.
Founded in 2018, Aspire has raised over USD 300M+ across equity and debt from world-class investors. In 2023, we successfully closed an oversubscribed USD 100 million Series C equity round led by Sequoia Capital and Lightspeed Ventures with participation of Tencent, Paypal Ventures, LGT Capital Partners, Picus Capital and MassMutual Ventures. To power our solutions, we have partnered with some of the best companies in the world such as Visa and Wise and helped more than 15,000 businesses using our suite of products.
In 2022, we were awarded Best Employer of the Year and Payments Tech of the Year by Asia Fintech Awards, ranked #1 on LinkedIn's 2022 Top Startups list and were listed on YC Top Companies 2022. In 2023, we ranked Top 10 on The Straits Times Fastest-Growing Companies.
You will be amazed by the energy and experience of our team. We are a team of ex-entrepreneurs, ex-founders, and high-achievers with international backgrounds. We team up to reach the highest standards in what we do, and don't take NO for an answer.
We are expanding rapidly. Are you a top talent? Are you passionate about entrepreneurship? Join us and make an impact in the fintech space.
About the team:
At Aspire, Finance plays a strategic role in driving our business forward. Our Finance team consists of a wide range of crucial functions across 4 verticals: (i) Traditional Finance with Accounting, Tax, Reporting, (ii) Treasury, which is a core function for a Fintech, (iii) Data including Business Intelligence, Data Analytics and Data Engineering and (iv) Strategy & Planning, which covers strategic road map, long term planning, fundraising and FP&A. Our Finance team engages in frequent strategic data analysis, research, and modeling to provide the best financial insights for critical business decisions, helping Aspire navigate the competitive landscape and capitalize on emerging opportunities. The team also plays a key part as the first user of our Aspire software, pioneer in Finance transformation, reengineering our internal process to stay agile while maintaining the internal control in a hyper fast growing environment.
About the role:
As a Credit Underwriter, you will play a key role in evaluating and assessing the credit profile of companies in traditional SMEs and Startup segment for Advance cards issued by Aspire in Singapore, supporting credit control and recovery efforts, and driving the company credit risk strategy and related policies across the region.
What will you be doing?
Aspire is an equal opportunity employer and is committed to providing equal employment opportunities to all qualified individuals without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, or any other protected characteristic as outlined by applicable laws.
Please note: by submitting your application, you acknowledge that you have read and understood Aspire's Data Protection Policy for Employees, Freelancers, Contractors and Job Applicants (the " Policy") , and consent to the collection, use and disclosure of your personal data by Aspire for the purposes set out in the Policy. You may withdraw consent for such collection, use and disclosure, and make an access or correction request in respect of your personal data, in accordance with the Policy by emailing people@aspireapp.com .
Founded in 2018, Aspire has raised over USD 300M+ across equity and debt from world-class investors. In 2023, we successfully closed an oversubscribed USD 100 million Series C equity round led by Sequoia Capital and Lightspeed Ventures with participation of Tencent, Paypal Ventures, LGT Capital Partners, Picus Capital and MassMutual Ventures. To power our solutions, we have partnered with some of the best companies in the world such as Visa and Wise and helped more than 15,000 businesses using our suite of products.
In 2022, we were awarded Best Employer of the Year and Payments Tech of the Year by Asia Fintech Awards, ranked #1 on LinkedIn's 2022 Top Startups list and were listed on YC Top Companies 2022. In 2023, we ranked Top 10 on The Straits Times Fastest-Growing Companies.
You will be amazed by the energy and experience of our team. We are a team of ex-entrepreneurs, ex-founders, and high-achievers with international backgrounds. We team up to reach the highest standards in what we do, and don't take NO for an answer.
We are expanding rapidly. Are you a top talent? Are you passionate about entrepreneurship? Join us and make an impact in the fintech space.
About the team:
At Aspire, Finance plays a strategic role in driving our business forward. Our Finance team consists of a wide range of crucial functions across 4 verticals: (i) Traditional Finance with Accounting, Tax, Reporting, (ii) Treasury, which is a core function for a Fintech, (iii) Data including Business Intelligence, Data Analytics and Data Engineering and (iv) Strategy & Planning, which covers strategic road map, long term planning, fundraising and FP&A. Our Finance team engages in frequent strategic data analysis, research, and modeling to provide the best financial insights for critical business decisions, helping Aspire navigate the competitive landscape and capitalize on emerging opportunities. The team also plays a key part as the first user of our Aspire software, pioneer in Finance transformation, reengineering our internal process to stay agile while maintaining the internal control in a hyper fast growing environment.
About the role:
As a Credit Underwriter, you will play a key role in evaluating and assessing the credit profile of companies in traditional SMEs and Startup segment for Advance cards issued by Aspire in Singapore, supporting credit control and recovery efforts, and driving the company credit risk strategy and related policies across the region.
What will you be doing?
- Conducting credit risk assessment of traditional SMEs and Startups in Singapore using qualitative and quantitative criteria in order to assess the extension of Advance card limit of Aspire
- Monitor the capacity and SLA of Aspire's Singapore Credit Underwriting team
- Participate in working with the team to developing, improving and monitoring our proprietary credit model, a core component of our business
- Perform other ad-hoc based tasks related to credit analysis and assessment function
- 1-3 years of related experience in a bank or Fintech with a focus on the credit risk analysis of startups and SMEs
- Excellent spoken and written English
- Fast learner, passionate for the fintech industry with ability to handle ambiguity
- Positive attitude and self-motivated
- Analytical, with strong communication skills, and the ability to operate with flexibility in a fast-paced, constantly evolving and collaborative environment
- Work from anywhere and Work from Home subsidy.
- Uncapped flexible annual leave.
- Training subsidy for your professional growth.
- Wellness benefit.
- Team bonding budget to foster collaboration and sense of belonging.
- Culture is Key: Most importantly, we always strive to cultivate a special culture that brings special talents together - You may learn more about our culture at our careers site and LinkedIn Life page .
Aspire is an equal opportunity employer and is committed to providing equal employment opportunities to all qualified individuals without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, or any other protected characteristic as outlined by applicable laws.
Please note: by submitting your application, you acknowledge that you have read and understood Aspire's Data Protection Policy for Employees, Freelancers, Contractors and Job Applicants (the " Policy") , and consent to the collection, use and disclosure of your personal data by Aspire for the purposes set out in the Policy. You may withdraw consent for such collection, use and disclosure, and make an access or correction request in respect of your personal data, in accordance with the Policy by emailing people@aspireapp.com .
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