284 Credit Manager jobs in Singapore

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Credit Manager (Policy)
role at
Revolut
Join to apply for the
Credit Manager (Policy)
role at
Revolut
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About Revolut
People deserve more from their money. More visibility, more control, and more freedom. Since 2015, Revolut has been on a mission to deliver just that. Our powerhouse of products — including spending, saving, investing, exchanging, travelling, and more — help our 60+ million customers get more from their money every day.
About Revolut
People deserve more from their money. More visibility, more control, and more freedom. Since 2015, Revolut has been on a mission to deliver just that. Our powerhouse of products — including spending, saving, investing, exchanging, travelling, and more — help our 60+ million customers get more from their money every day.
As we continue our lightning-fast growth, 2 things are essential to our success: our people and our culture. In recognition of our outstanding employee experience, we've been certified as a Great Place to Work. So far, we have 10,000+ people working around the world, from our offices and remotely, to help us achieve our mission. And we're looking for more brilliant people. People who love building great products, redefining success, and turning the complexity of a chaotic world into the simplicity of a beautiful solution.
About The Role
The credit department at Revolut is anything but ordinary. They design, develop, and launch credit products across the globe. The team manages our products from day one to the end — developing the back and front-end, the data science infrastructure, and then creating a local setup in each country with scalable risk management and portfolio management solutions.
As a Credit Manager, you'll be responsible for designing credit risk policies, procedures, and strategies for Revolut’s retail lending products. You'll be managing validation of the underwriting strategy, as well as leading the charge for preventative and reactive actions to the market and product offering.
Up to shape the future of finance? Let's get in touch.
What You’ll Be Doing
Developing account-level valuation frameworks for underwriting credit policies, using NPV framework to optimise portfolio-level economic returns
Making data-driven decisions with a special focus on marginal decision-making
Managing credit limits, risk-based pricing, retention strategies, over-limit policies, etc.
Adjusting risk return requirements and managing/adjusting portfolio returns as new data comes to light
Supporting the annual budget forecast, from assessment through analysis and delivery
Tracking, communicating, and drawing insights from performance of ongoing initiatives, while staying on top of credit KPIs through intensive monitoring
Identifying operational inefficiencies and managing the implementation of small-scale change within the Credit department
Ensuring approval and good rating of first-line credit risk function from 2nd/3rd line and regulators
What You'll Need
A proven track record of managing the risk cycle for retail credit products, like credit cards, unsecured personal loans, etc.
A bachelor's degree from a top university in an quantitative/analytical field, such as engineering, statistics, physics, maths, economics, or management
A solid understanding of credit policy governance frameworks to work through 2nd/3rd line of defence in a competent manner
To deliver excellent results that exceed requirements
To be forward-thinking to plan appropriately, meet multiple objectives, and proactively identify/resolve issues
A solid understanding of credit and behavioural scoring models, especially for retail credit products
The ability to explain complex concepts in a clear, simple manner
To understand the value of speed to market and balance between elegant problem-solving and business needs of the hour
Nice to have
A master's degree
Excellent working knowledge of SQL, R, Python, and/or other data analysis tools
A willingness to learn new technology to help business scale
Building a global financial super app isn’t enough. Our Revoluters are a priority, and that’s why in 2021 we launched our inaugural D&I Framework, designed to help us thrive and grow everyday. We're not just doing this because it's the right thing to do. We’re doing it because we know that seeking out diverse talent and creating an inclusive workplace is the way to create exceptional, innovative products and services for our customers. That’s why we encourage applications from people with diverse backgrounds and experiences to join this multicultural, hard-working team.
Important notice for candidates:
Job scams are on the rise. Please keep these guidelines in mind when applying for any open roles.
Only apply through official Revolut channels. We don’t use any third-party services or platforms for our recruitment.
Always double-check the emails you receive. Make sure all communications are being done through official Revolut emails, with an @revolut.com domain.
We won't ask for payment or personal financial information during the hiring process.
If anyone does ask you for this, it’s a scam. Report it immediately.
By submitting this application, I confirm that all the information given by me in this application for employment and any additional documents attached hereto are true to the best of my knowledge and that I have not wilfully suppressed any material fact. I confirm I have disclosed if applicable any previous employment with Revolut. I accept that if any of the information given by me in this application is in any way false or incorrect, my application may be rejected, any offer of employment may be withdrawn or my employment with Revolut may be terminated summarily or I may be dismissed. By submitting this application, I agree that my personal data will be processed in accordance with Revolut's Candidate Privacy Notice
Seniority level
Seniority level Mid-Senior level
Employment type
Employment type Full-time
Job function
Job function Finance and Sales
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People deserve more from their money. More visibility, more control, and more freedom. Since 2015, Revolut has been on a mission to deliver just that. Our powerhouse of products — including spending, saving, investing, exchanging, travelling, and more — help our 55+ million customers get more from their money every day.
As we continue our lightning-fast growth, 2 things are essential to our success: our people and our culture. In recognition of our outstanding employee experience, we've been certified as a Great Place to Work. So far, we have 10,000+ people working around the world, from our offices and remotely, to help us achieve our mission. And we're looking for more brilliant people. People who love building great products, redefining success, and turning the complexity of a chaotic world into the simplicity of a beautiful solution.
About the role
The credit department at Revolut is anything but ordinary. They design, develop, and launch credit products across the globe. The team manages our products from day one to the end — developing the back and front-end, the data science infrastructure, and then creating a local setup in each country with scalable risk management and portfolio management solutions.
As a Credit Manager, you'll be responsible for designing credit risk policies, procedures, and strategies for Revolut’s retail lending products. You'll be managing validation of the underwriting strategy, as well as leading the charge for preventative and reactive actions to the market and product offering.
Up to shape the future of finance? Let's get in touch.
What you’ll be doing
Developing account-level valuation frameworks for underwriting credit policies, using NPV framework to optimise portfolio-level economic returns
Making data-driven decisions with a special focus on marginal decision-making
Adjusting risk return requirements and managing/adjusting portfolio returns as new data comes to light
Supporting the annual budget forecast, from assessment through analysis and delivery
Tracking, communicating, and drawing insights from performance of ongoing initiatives, while staying on top of credit KPIs through intensive monitoring
Identifying operational inefficiencies and managing the implementation of small-scale change within the Credit department
Ensuring approval and good rating of first-line credit risk function from 2nd/3rd line and regulators
What you'll need
A proven track record of managing the risk cycle for retail credit products, like credit cards, unsecured personal loans, etc.
A bachelor's degree from a top university in an quantitative/analytical field, such as engineering, statistics, physics, maths, economics, or management
A solid understanding of credit policy governance frameworks to work through 2nd/3rd line of defence in a competent manner
To deliver excellent results that exceed requirements
To be forward-thinking to plan appropriately, meet multiple objectives, and proactively identify/resolve issues
A solid understanding of credit and behavioural scoring models, especially for retail credit products
The ability to explain complex concepts in a clear, simple manner
To understand the value of speed to market and balance between elegant problem-solving and business needs of the hour
Nice to have
Excellent working knowledge of SQL, R, Python, and/or other data analysis tools
A willingness to learn new technology to help business scale
Building a global financial super app isn’t enough. Our Revoluters are a priority, and that’s why in 2021 we launched our inaugural D&I Framework, designed to help us thrive and grow everyday. We're not just doing this because it's the right thing to do. We’re doing it because we know that seeking out diverse talent and creating an inclusive workplace is the way to create exceptional, innovative products and services for our customers. That’s why we encourage applications from people with diverse backgrounds and experiences to join this multicultural, hard-working team.
Important notice for candidates:
Job scams are on the rise. Please keep these guidelines in mind when applying for any open roles.
•
Only apply through official Revolut channels.
We don’t use any third-party services or platforms for our recruitment.
•
Always double-check the emails you receive.
Make sure all communications are being done through official Revolut emails, with an @revolut.com domain.
We won't ask for payment or personal financial information during the hiring process.
If anyone does ask you for this, it’s a scam. Report it immediately.
By submitting this application, I confirm that all the information given by me in this application for employment and any additional documents attached hereto are true to the best of my knowledge and that I have not wilfully suppressed any material fact. I confirm I have disclosed if applicable any previous employment with Revolut. I accept that if any of the information given by me in this application is in any way false or incorrect, my application may be rejected, any offer of employment may be withdrawn or my employment with Revolut may be terminated summarily or I may be dismissed. By submitting this application, I agree that my personal data will be processed in accordance with Revolut's Candidate Privacy Notice
Benefits at Revolut
No ping pong tables or bean bag chairs, just benefits you actually want
Get what you need to succeed
Financial benefits that show we value your work
Flexibility to work from home, the office or abroad
A free Revolut Metal subscription loaded with perks
Exciting events year-round so you can get to know your team
Revoluters always push through! We stopped listening to excuses a long time ago - we care about results. We believe that grit, determination, skill, smartness, and courage can break through almost any wall.
Deliver WOW
We love building great products, we love delighting our customers, we love turning the complexity of a chaotic world into the simplicity of a beautiful solution that truly solves customer needs.
Dream Team
We select, coach, and retain the top talent only and give them all the support to achieve greatness
Never Settle
Revolut is for those who always strive for excellence, for those who want to become the best in the world at what they do, for those who would never settle for less. Revolut is for 10x people.
Think Deeper
Logic, reason, and common sense prevail over everything else in decision making at Revolut. We are open-minded, we listen, and we are always in search of the truth.
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*WHO WE ARE: *

As Singapore's longest established bank, we have been dedicated to enabling individuals and businesses to achieve their aspirations since 1932. How? By taking the time to truly understand people. From there, we provide support, services, solutions, and career paths that meet their individual needs and desires.

Today, we're on a journey of transformation. Leveraging technology and creativity to become a future-ready learning organisation. But for all that change, our strategic ambition is consistently clear and bold, which is to be Asia's leading financial services partner for a sustainable future.

We invite you to build the bank of the future. Innovate the way we deliver financial services. Work in friendly, supportive teams. Build lasting value in your community. Help people grow their assets, business, and investments. Take your learning as far as you can. Or simply enjoy a vibrant, future-ready career.

Your Opportunity Starts Here.

Roles and Responsibilities: -

• To lead a team of credit managers and manage portfolio quality of the team.
• To assess/approve credit proposals and reviews within lending authority limit in accordance with the Bank's risk appetite, credit underwriting standard, credit policy and in compliance with regulatory requirements.
• To proactively manage assigned portfolio of customers with early escalation of problem accounts for closer monitoring and appropriate account classification.
• To promptly initiate ad-hoc portfolio review or stress test in response to market events/developments that may have an impact on customers' credit quality with follow-up action plan to minimise/mitigate identified risks.
• To work closely with Business Unit to achieve business growth and the Bank's strategic objectives without compromise on credit quality standards through appropriate transaction structuring and taking a balanced approach.
• To undertake ad hoc projects/tasks as may be required from time to time.

Requirements: -

• University degree with at least 20 years of relevant banking experience in client relationship management and credit risk approval covering large corporates and/or SMEs from diversified industries.
• Possess sharp business acumen and strong credit analytical skill with ability to make timely credit decisions.
• Demonstrate track record in leading a team and managing senior stakeholders.
• Able to work under pressure with tight turnaround time.
• Strong leadership qualities, stakeholder management and interpersonal skills.
• Good understanding of credit processes, loan documentation and able to keep abreast of latest market/industry developments.
• Experience in merger & acquisition financing transactions would be an added advantage.

*What we offer: *

Competitive base salary. A suite of holistic, flexible benefits to suit every lifestyle. Community initiatives. Industry-leading learning and professional development opportunities. Your wellbeing, growth and aspirations are every bit as cared for as the needs of our customers.

Job ID: 33822

Location: Singapore, SG

Area of interest: Governance, Risk Management & Compliance

Job type: Regular Employee

Work style: Office Working

Opening date: 24 Jul 2025

JOB SUMMARY

Job holder is responsible for the second line of defence responsibilities related to Credit Risk, which involves oversight and challenge of risk management actions from the First Line, including the following:

• The Group's Enterprise Risk Management Framework ("ERMF") with regards to Credit Risk, which sets out the Group's approach to risk management and the control framework within which risks are managed and risk-return trade-offs are made. Ensure that the relevant first and second line owners understand and accept their risk management responsibilities.
• The Group's Risk Appetite Framework, with regards to Credit Risk, which sets out the Group's appetite to material risk types that it is exposed to. Jobholder, monitor compliance to Board approved risk appetite using the risk information report covering principal risk-types Credit Risk; and highlight significant matters to the attention of senior management and senior risk committees.
• Ensure a robust effectiveness review process for the ERMF with regards to Credit Risk and escalate significant matters and/or gaps in ERMF implementations to senior management and the relevant Board level committees as relevant.

Wholesale lending decision responsibilities

Being responsible for final credit decision for wholesale lending facilities pertaining to CIB Singapore.

Key Responsibilities

To assist SCO Singapore to achieve the following:

• Ensuring that the quality of Business Credit Applications (BCAs) meets Group standards, particularly with regards to the completeness and depth of risk analysis.
• Approving breaches of Portfolio Standards, to the extent permitted by Credit Policy.
• Formulating and obtaining approval of Portfolio Standards which is supportive (from credit risk perspective) of the business strategy of various segments.
• Ensuring timely submission and accuracy of Singapore credit portfolio data to the Risk Committee. These
• include, but may not be limited to, the following:
• Risk MI reports
• All approved exposures in CIB (as required by local regulator Reporting)
• Details of approved breaches of Group and Local Credit Policy (including details of mitigating circumstances)
• Country Risk exposure
• Monitoring compliance with credit policy and Portfolio Standards a monthly basis at least and reviewing any divergence thereof with the CEO, Client Coverage (CC) Head/Segment Heads to ensure credit quality targets are achieved.

• Ensure Early Alert Review ("EAR") process adhered to and lead monthly EAR discussions.

• Ensure compliance to the Operational Risk Framework including the effective application of risk toolkit (self- assessment), KRIs, KCSs, etc) and reporting.

• Assess the credit risk profile of the CIB Singapore portfolios, maintaining alignment with risk appetite by rebalancing of risks or controls that may be required in response to internal and external factors.
• Initiate stress tests as required by internal and external factors and review results and assess their implications.
• Ensure that effective management response plans are in place to respond to extreme but plausible scenarios.
• Uphold the integrity of risk/return decisions, by challenging business to demonstrate that risk origination and control decisions are properly informed and consistent with strategy and risk appetite.
• Direct appropriate response to material events or other risk issues that come to Senior Credit Manager, CIB Singapore attention.
• Exercise risk control responsibility for Credit Risk for CIB Singapore portfolios.
• Ensure risk capabilities are objective, consistent and compliant with applicable regulations.
• Ensure that material risk exposures and related issues are reported to the responsible governance committees and to Group and business-level committees as appropriate

Skills and Experience

Our Ideal Candidate

• Experience: 10+ years of relevant corporate credit experience, including demonstrated success in a similar role.
• Risk management and control: demonstrated track record in successful management and ability to manage risk in geographically dispersed and highly varied product base. Expertise in process design and control.
• Regulatory framework and requirement: awareness and understanding of the regulatory framework in which the firm operates and the regulatory requirements and expectations relevant to the role of Senior Credit Manager
• Banking training: Role specific training which are mandatory and developmental
• Risk management framework
• Core credit curriculum

Role Specific Technical Competencies

• Risk – CIB Credit Risk

• Risk Management – Communication and Influencing

• Risk Management - Operational

About Standard Chartered

We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us.

Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion.

Together we:

• Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do
• Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well
• Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

What we offer

In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.

• Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations.
• Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.
• Flexible working options based around home and office locations, with flexible working patterns.
• Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits
• A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.
• Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.

Recruitment Assessments

Some of our roles use assessments to help us understand how suitable you are for the role you've applied to. If you are invited to take an assessment, this is great news. It means your application has progressed to an important stage of our recruitment process.

Visit our careers website

Join to apply for the
Manager, Credit Control (Wholesale)
role at
UOB
Get AI-powered advice on this job and more exclusive features.
About UOB
United Overseas Bank Limited (UOB) is a leading bank in Asia with a global network of more than 500 branches and offices in 19 countries and territories in Asia Pacific, Europe and North America. In Asia, we operate through our head office in Singapore and banking subsidiaries in China, Indonesia, Malaysia and Thailand, as well as branches and offices. Our history spans more than 80 years. Over this time, we have been guided by our values – Honorable, Enterprising, United and Committed. This means we always strive to do what is right, build for the future, work as one team and pursue long-term success. It is how we work, consistently, be it towards the company, our colleagues or our customers.
Responsibilities
Check Credit Compliance in accordance to Bank’s credit policy and internal policies.
Perform security and documentation compliance checking.
Check and authorize Loan Disbursements and Facilities Line Implementation.
Review data entries done by maker via FLMS, LES, Factorpro, CCRS, CELS, CMT, bCAS and CDMS
Check reports on all transactions carried out by staff
Requirements
Relevant experience in credit control and at least 5 years of operations experience in company loan operations.
Candidate without any experience are welcome to apply if interested in working back end operations.
Must be responsible, committed and diligent. Good team player.
Able to work under pressure especially when deadlines are tight
Able to work late to cope with increased volume and must be fast and meticulous
Good PC skills (MS Office - Advanced Excel, PowerPoint and Word)
Good Interpersonal & Communications skills
Project and system management skills required
Additional Requirements
English, Execute (3 - Meets), Role Type (GTO), University-Bachelor - Banking & Finance, Work Experience Level for GTO CWF
Be a Part of the UOB Family
UOB is an equal opportunity employer. UOB does not discriminate on the basis of a candidate's age, race, gender, color, religion, sexual orientation, physical or mental disability, or other non-merit factors. All employment decisions at UOB are based on business needs, job requirements and qualifications. If you require any assistance or accommodations to be made for the recruitment process, please inform us when you submit your online application.
Application Details
Apply now and make a Difference
Seniority level
Mid-Senior level
Employment type
Full-time
Job function
Accounting/Auditing and Finance
Industries
Banking
Referrals increase your chances of interviewing at UOB by 2x
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Key Responsibilities

• Assess creditworthiness of SME and personal loan applicants through in-depth financial analysis.
• Develop and maintain credit risk frameworks, policies, and scoring models.
• Monitor loan portfolios to identify risk concentrations and ensure diversification.
• Ensure full compliance with MAS and internal governance requirements.
• Implement fraud prevention controls and strengthen early warning systems.
• Collaborate with sales, legal, and operations to balance business growth with prudent risk control.
• Lead and mentor credit analysts, fostering a culture of strong credit discipline.
• Present regular portfolio insights and risk reports to senior management.

Requirements

• Bachelor's degree in Finance, Accounting, Business, or related field; CFA/FRM preferred.
• 7–10 years' experience in credit risk management (SME or personal loans).
• Deep understanding of MAS credit regulations and risk assessment frameworks.
• Strong financial analysis and decision-making skills.
• Effective communicator with leadership and stakeholder management abilities.
• Proficient in Excel and data analytics for credit evaluation.

Join us if you're a strategic risk leader who thrives on balancing growth with control — and want to shape a smarter, stronger credit culture.

Vaelynn Talent Pte Ltd · Licence No. 25C3079

Recruitment services provided in accordance with MOM regulations. All applications kept confidential.

( Job Description )

• Reporting to Managing Director of the Credit Portfolio Management team.
• Drive the funds activities in terms of the end to end process completion and quality control.
• Project management for all the pipelines and upcoming deals with relevant stakeholders within the company as well as external Japanese stakeholders which include the lenders, the insurer, and the investors.
• Manage entire framework including appropriate measurements in Japanese legal documents.
  Responsible for the timely and accurate reporting. Drive the strategic discussion of the future of the funds.

( Job Requirements )

• Bachelor Degree or above
• At least 10 years of cross border project management/product management experiences in the finance industry.
• Requred high proficiency in both English and Japanese language (equivalent to JLPT N1) , oral and written, to liaise with clients and business associates.
• Ability to develop and maintain solid stakeholder relationships. Strong strategic thinking, problem-solving and strong negotiation skills.
• Excellent interpersonal and communication skills to work effectively across different levels.
• Experience working in Japanese banking business environment.

Key Responsibilities

• Assess creditworthiness of SME and personal loan applicants through in-depth financial analysis.
• Develop and maintain credit risk frameworks, policies, and scoring models.
• Monitor loan portfolios to identify risk concentrations and ensure diversification.
• Ensure full compliance with MAS and internal governance requirements.
• Implement fraud prevention controls and strengthen early warning systems.
• Collaborate with sales, legal, and operations to balance business growth with prudent risk control.
• Lead and mentor credit analysts, fostering a culture of strong credit discipline.
• Present regular portfolio insights and risk reports to senior management.

Requirements

• Bachelor's degree in Finance, Accounting, Business, or related field; CFA/FRM preferred.
• 7–10 years' experience in credit risk management (SME or personal loans).
• Deep understanding of MAS credit regulations and risk assessment frameworks.
• Strong financial analysis and decision-making skills.
• Effective communicator with leadership and stakeholder management abilities.
• Proficient in Excel and data analytics for credit evaluation.

Join us if you're a strategic risk leader who thrives on balancing growth with control — and want to shape a smarter, stronger credit culture.

Vaelynn Talent Pte Ltd · Licence No. 25C3079

Recruitment services provided in accordance with MOM regulations. All applications kept confidential.

Job Responsibilities
You will be part of the credit team that will monitor the credit quality of the asset portfolio and assist in the independent credit assessment on new and existing credit proposals and report on account performance.
Perform credit assessment on new credit proposals and review existing accounts.
Report on account and portfolio performance.
Provide financial analysis and projections.
Identify key risks and mitigating factors in your credit evaluation.
Plan and organise to ensure the credit review workflow can be ready for the approval process in a timely manner.
Additionally, you will participate in portfolio stress tests, review program lending guidelines, and update lending guidelines, risk policies, and reporting on business segments, industry, and country knowledge.
Qualifications & Experiences
Degree with 8 to 10 years’ relevant banking experience.
Proven experience in credit risk assessment with a bank.
Good credit analysis and writing skills.
Good command of both written and spoken English and spoken Chinese.
To Apply:
Interested candidates may send their CV to Wai Leong at ( Reg. no. R ) quoting the job title in the Subject line. We regret that only shortlisted candidates will be notified.
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