Head of Consumer Services

Responsibilities

• Own full P&L performance, including revenue, margins, and cost management
• Develop and execute growth strategies across customer acquisition, retention, and cross-sell (e.g. new loan products, partnerships, embedded finance)
• Optimize acquisition funnels and drive data-led platform experimentation
• Oversee credit models, underwriting frameworks, and risk appetite
• Work closely with risk teams to balance growth vs portfolio quality
• Enhance and develop recovery processes to optimize portfolio returns
• Lead and build a high-performance team
• Collaborate with product and tech teams to construct a seamless end-to-end digitial lending journey
• Oversee loan operations including disbursement, servicing, and collections strategy
• Ensure compliance with Singapore moneylending regulations and make our mark as a responsible lender

Requirements

• At least 5 to 8 years of experience in consumer lending, fintech, or financial services
• Proven P&L ownership and business leadership experience
• Strong understanding of digital lending / consumer loans
• Experience in a regulated environment (Singapore preferred)
• Analytical mindset with strong data-driven decision-making skills
• Track record of scaling loan portfolios or fintech products
• Why Join Us
• Opportunity to lead and scale a high-growth lending business
• Direct impact on strategy, product, and financial performance
• Work at the intersection of fintech, credit, and data in a fast-evolving market

Additional Information

IFS Consumer Services Private Limited (Friday Finance), a wholly-owned subsidiary of SGX listed IFS Capital Limited, is a licensed moneylender regulated by the Registrar of Moneylenders of the Ministry of Law in Singapore. Operating since 2018, Friday Finance takes a fintech approach to licenced Moneylending, and has since grown to be a significant revenue contributor to the business. In 2026, Tech in Asia and Statista recognised IFS Group as one of Singapore's top fintech companies. Role Overview We are seeking a commercially driven and strategic Head of Consumer Services to lead and scale licensed moneylending operations within the Group's geographical coverage. This role is responsible for driving revenue growth, optimizing credit and risk strategies, and building a high-performing digital lending platform within regulated environments. The ideal candidate combines strong P&L ownership, deep understanding of consumer lending, and hands-on experience in digital acquisition, underwriting, and compliance.

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