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.

For 2 consecutive years in 2022 & 2023, Aspire has been awarded Best Employer of the Year and Startup of the year by Asia FinTech Awards, and also LinkedIn’s Top Startup in Singapore. In 2023, we also made it to CB Insights’ Top 100 Global Fintech List. 

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 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. This role is part of the Risk Operations department. Risk Operations looks after credit, fraud, payments. This team is critical for Aspire’s growth and sustainability.


About the Role

We are seeking a highly skilled and motivated Payment (Credit) Ops Manager to join our team. You will play a vital role in leading the credit ops team associated with Aspire advance related products. You will also contribute to the development and deployment of credit risk management measures, ensuring alignment with our team's business, policy, and operating requirements.

  • Monitoring the healthiness level of customers credit portfolio by setting key monitoring performance indicators
  • Evaluating the potential risk associated with extending credit by considering factors such as payment history, financial stability, industry trends, etc. 
  • Developing and implementing credit scoring models to monitor ongoing credit risk and make recommendations
  • Monitor and improve operational process by utilizing product solutions to enhance operation effectiveness
  • Lead the development and implementation of relevant policies, procedures, and controls to ensure the security, integrity, and reliability of payment systems and operations.


Minimum Qualifications

  • At least 5 years of experience working in the payments space, and at least 3 years in a risk/credit management role
  • Have a strong understanding of credit risk for payment products such as Credit limit, card payment etc.
  • Strong experience in managing and improving operational processes 
  • Strong motivation of making improvements and impact by identifying the issues, analyzing the root causes and follow up the action plans
  • Data analytical skill is a strong plus 
  • Good communication skills, and ability to lead credit related projects and collaborate with different stakeholders


Preferred Qualifications

  • Previous experience in fintech companies, showcasing knowledge of industry-specific practices and challenges.

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

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