Credit Operations Manager

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 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.