Credit Ops - Senior Analyst/Associate Manager

At Aspire, we’re more than just a FinTech company—we’re the leading all-in-one financial operating system built to empower the world’s innovators and entrepreneurs. We are on a mission to reinvent business finance, empowering startups and businesses 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 empowered more than 50,000 businesses using our suite of products.

Aspire has consistently been recognized for excellence, earning Best Employer and Startup of the Year by the Asia FinTech Awards in 2022 and 2023, ranked as LinkedIn’s Top Startup in Singapore, and listed on CB Insights’ Top 100 Global Fintech in 2023 and 2024.

You will be amazed by the energy and experience of our team! Aspire serves as an environment for you to innovate and drive change with our team of ex-entrepreneurs, ex-founders, and high-achievers with international and diverse backgrounds.

Are you a top talent who is passionate about entrepreneurship? Join our rapidly growing team to make an impact in the fintech space! 

About Aspire :

We are the leading all-in-one finance operating system for growing businesses in South-East Asia. We are on a mission to reinvent business finance for a new generation of entrepreneurs and business owners, empowering startups and SMBs to realize their full potential.

We have successfully closed an oversubscribed US$ 100 million Series C equity round in 2023 led by Sequoia and Lightspeed with the participation of Tencent and PayPal. We partner with some of the best companies in the world such as Visa and Wise and help more than 15,000 businesses using our suite of products.

In 2020 we were awarded Hottest Startup by Singapore Business Review and Finalist MAS Fintech Awards. In 2021 and 2022 we were named in LinkedIn's Top 5 Startups in Singapore and awarded Best Employer of the Year and best Payments Tech 2022 by Asia Fintech Awards.

You will be amazed by our energy and ambition. We are a team of ex-entrepreneurs, ex-founders, and A players with international and diverse backgrounds (45% of us are women). We team up to excel 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, we are committed to empowering our customers throughout their journey with us. Our Operations Team ensures customers can operate seamlessly on our platform, and guarantee the best customer experience possible.

About the role:

As the Credit Ops Senior Analyst/Associate Manager, you will be the product expert to customers & internal Aspire teams where you will ensure smooth operations, resolve product escalations, identify and fill process gaps, and drive product improvements with the Tech team. The role primary focus area is with Credit Operations which manage all aspects of our product Advance Limit and Advance Transfer in the South East Asia markets.

Key responsibilities include:

• Daily Operations - Operate and oversee back-end functions on our tech platform such as manual processing of transactions/requests, activating features, invoicing, applying repayments/late fees, cashback, collateral management.
• External Client Management - Interact with our customers to solve their issues/concerns, advise solutions in-line with our product capabilities and internal SOP.
• Internal Cross Functional Collaboration - Collaborate with various internal operational departments/teams to troubleshoot on issues, derive solutions, and create new SOP. 
• Build Processes and Frameworks - Own or Co-build/design existing or new processes to achieve the operational efficiencies of reduced time (SLAs), reduced errors, and better client experiences.
• Ad-Hoc Projects - Work on ad-hoc projects to improve the operational efficiencies of reduced time (SLAs), reduced errors, and better client experiences.

Qualifications:

• Payments experience: 3-5 years of experience working in the payments space; experience related to loan products would be a plus.
• Product knowledge: Good understanding of credit risk for payment products such as credit limits, repayment, late interest and card payments.
• Problem-solver: Motivated to make improvements and have an impact by identifying issues, analyzing root causes, implementing sustainable solutions and following up on action plans
• Operational focus: A background in scaling processes in a fast-paced, high-growth environment, with a focus on accuracy, efficiency, and reliability.
• Strong analytical abilities: Good data analytical skills with data sets and making inferences and conclusions.
• Collaboration: Good communication and coordination skills and the ability to lead credit-related projects while collaborating with different stakeholders
• Adaptability: Ability to support any new initiatives and adapting processes to fit with changes in regulations and infrastructure.
• Customer-driven: Always putting customers first to provide the best quality service.
• Outstanding communicator: Ability to communicate concisely and clearly to customers and internal stakeholders, and writing to execute SOP.

What we offer

• Uncapped flexible annual leave.
• Hybrid work arrangement. 
• Training subsidy for your professional growth.
• Wellness benefit.
• Team bonding budget to foster collaboration and sense of belonging.
• Flexibility to work from anywhere (for up to 90 days per annum).
• Culture is Key: We always strive to cultivate a special culture that brings special talents together - You can learn more about our culture on our careers site and LinkedIn Life page.
  

Equal Opportunity Statement 

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.