Risk Ops Senior Analyst

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 50,000 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.

About the role:

• Learn & Apply - Learn about a fintech’s operating structure
• Learn about credit products/facilities such as collateralised/ uncollateralized corporate revolving credit facilities, and be involved in the end-to-end process of credit limit application, fund disbursement, monthly billing, collection of repayments, applying late penalties, waivers, and credit facility renewals
• Learn about payment products/facilities such as intercompany and intra ledger bank transfers, and the various transfer/payments rails used per country with each benefit and drawback of specific transfer rails
• Learn about how to reconcile payment transactions between Aspire and our partners, and be involved in improving on existing rulesets to improve automated reconciliations
• Apply all the below learnings in daily operational activities to troubleshoot issues and determine if they are operational or technical in nature, and to ensure the company’s products are functional and delivered seamlessly
• Daily Operations - Operate back-end functions on our tech platform such as manual processing of transactions/requests, activating features, invoicing, applying repayments/late fees, ledger readjustments.
• External Partner Management - Liaise with our business/service partners daily to troubleshoot and resolve issues
• External Client Management - Interact with our customers to solve their issues/concerns, advise solutions in-line with our product capabilities and internal SOP’s
• Internal Cross Functional Collaboration - Collaborate with various internal operational departments/teams to troubleshoot on issues, derive solutions, and create new SOP’s. 
• 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.

Minimum qualifications:

• 3-4 years of experience working in the payments space; experience related to loan products would be a plus
• Basic understanding of credit risk for payment products such as credit limits and card payments
• Strong motivation to make improvements and have an impact by identifying issues, analyzing root causes, and following up on action plans
• Data analytical skills are a strong plus
• Good communication skills and the ability to lead credit-related projects while collaborating with different stakeholders

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.