About the role

This role is for a is a newly launched SME lender preparing to enter the market. We offer working capital loans & other financing solutions to Singapore SMEs. You will be our first hire — working directly with the owner to take the business from zero to one.

This is an entrepreneurial role. For the first 3–6 months you will operate solo, along with the founder, across every part of the business: credit, operations, product, design reviews, go-to-market. As we launch and scale, additional hires will follow and you will have the opportunity to step up as Head of Credit & Operations or General Manager based on your interests, capability and performance.

In addition to the salary, milestone bonus up to S$30,000 in Year 1, tied to actionable targets, and measurable portfolio quality KPIs.

What you'll do

• Credit underwriting model — design and operationalise our credit policy, scorecards, and underwriting workflow end-to-end
• Business process design — build the operational playbook across origination, credit, disbursal, servicing, collections, and reconciliation
• Product & tech collaboration — provide lending-domain input into our ongoing LMS/LOS build; coordinate with founder & web developer on design, UX, and workflow automation
• Launch execution — help take the business live and iterate based on real portfolio signals
• Zero-to-one everything — SOP authoring, compliance policies, partner onboarding, first hires, and whatever else the business needs

Who we're looking for

• 7–8+ years in SME lending, ideally from a non-bank lender, finance company, or fintech (Funding Societies, Validus, Aspire, Hong Leong Finance, Sing Investments, Ethoz, etc.)
• Hands-on experience in credit underwriting, loan processing, or portfolio management for Singapore SMEs - wide breadth of knowledge and deep understanding of the SME lending business model, underwriting, lead generation, and other best practices
• High agency, independent, driven — comfortable operating without structure, defining your own priorities, and shipping
• Extremely high integrity — non-negotiable given our industry context and the trust customers place in a lender
• Strong operational instincts; able to go from "what should the process look like?" to a documented workflow and working team
• Singaporean or PR only

What we offer

• Real ownership of the credit and operations function from day one — you build it, you run it
• Short decision cycles, no committees, no politics
• Clear path to Head of Credit & Operations / GM within 12–18 months on strong execution
• Milestone bonus up to S$30,000 in Year 1, tied to measurable loan book growth and portfolio quality — you share in the upside of what you help build

How to apply

Apply via the MyCareersFuture button. Shortlisted candidates will be invited to a first conversation with the founder.

Full-Stack Developer — Fintech (6-Month Contract)

The Role

We're looking for a full-stack developer on a 6-month contract to help accelerate & lead the build-out of a fintech lending platform. You'll work independently with the founder, spearheading the development and testing of a Loan Origination & Management System for a new SME lending business.

• Flexible schedule
• 6-month initial contract, with potential to extend based on fit and business needs
• Hybrid — mostly remote (in Singapore), but must be available for in-person meetings in Singapore on short notice, preferred to work at least 1-2 days a week in our Cecil Street office
• Singaporean or PR (we may consider applicants already in Singapore with valid work authorization on exceptional basis)

What You'll Work On

• Borrower-facing loan application, documents, offer, agreement, and servicing flows
• Admin case workspace: credit review, offers, agreements, disbursal, reconciliation, collections
• Postgres schema, RLS policies, APIs, and cron jobs
• Integrations: e-signing, email, bank data
• PDF generation, audit logging, cron-driven workflows
• Credit underwriting automation workflows
• You may also be required to work on other projects and development tasks not related to this core lending platform

Tech Stack

Next.js, TypeScript, Postgres, Tailwind v4, shadcn, Resend, DocuSeal.

Requirements

• At least 3 years of full-stack experience shipping production web apps (React/Next.js + a typed backend + SQL)
• Strong fundamentals: clean, scalable, secure, well-tested code — not a vibe coder, strong technical understanding and ability to read code is a must
• Comfortable with TypeScript in strict mode, relational data modelling, and writing SQL
• Working knowledge of auth, RLS/row-level security, and handling sensitive data responsibly
• Fluent with AI coding tools (Claude Code, Codex, Cursor, etc.) and can use them to multiply your output without complete reliance and with full understanding of the code being generated — you review, verify, and own every line that ships
• Basic understanding of finance - as we are developing a LOS/LMS, you need to have existing knowledge of basic finance & accounting concepts such as: debits, credits, interest, compounding, double entry ledger, etc.
• Self-directed: can take a spec/idea/goal, ask the right questions, and ship high quality production grade code without hand-holding
• Based in Singapore, available for weekly in-person meetings, ideally you are open to working from out Cecil Street office at least 1-2 days a week.
• What you'll need to bring: your own development machine, your own tooling & development stack (we expect you to already be set up with the tools that make you effective, though we can discuss any additional requirements as needed).

Nice to Have

• Fintech / lending / payments domain exposure
• Familiarity with Singapore financial services context (MAS, MLA, PDPA, etc)

What We Offer

• Direct, visible impact on a real product in production
• Work independently and directly with the founder - focus on shipping and gaining real world experience, not bureaucracy
• Flexible hours, hybrid working
• Contract rate: S$3,000-3500/month (6-month contract)

To Apply

Send your CV + a short note about yourself, a link to code you're proud of (GitHub, side project, or something shipped), something you built without the use of any AI-coding tools, your earliest availability, and a one-paragraph example of how you've used AI tools effectively in a recent project.