About AIR8

An LFX digital venture, Air8 is building an insight-based technology platform that capitalizes on Li & Fung’s ecosystem with more than 118 years of supply chain experience, connecting suppliers, buyers, and funders in over 50 markets. Air8’s goal is to combine supply chain insights with financing expertise and digital technologies to channel capital to vendors. Air8’s vision is to promote sustainable financing while bridging the supply chain working capital gap.

See https://air8.io/

LFX is a Fung Group company, which focuses on being an incubation, investment, and operating platform providing digital solutions and digitally enabled services across the end-to-end consumer goods supply chain.

See https://lfxdigital.com/

Role Overview

Air8 Finance is seeking a Credit Risk Underwriter with strong experience in dealing with SME clients to join our Singapore team. This role will focus on assessing credit applications, reviewing financial performance, and making sound underwriting recommendations for SME borrowers. We welcome candidates with relevant experience from commercial banking, business banking, fintech lenders, or other SME-focused financial institutions.

Key Responsibilities:

• Conduct end-to-end credit assessments for SME clients, including review of financial statements, cash flow, business performance, and repayment capacity.
• Evaluate credit applications and recommend appropriate credit limits, terms, and risk mitigants.
• Structure financing solutions that balance commercial objectives with credit risk appetite.
• Prepare clear and concise credit memos and present recommendations to internal stakeholders or credit committees.

Requirements:

• Bachelor’s degree in Finance, Accounting, Economics, Business, or a related discipline.
• 5–10 years of relevant experience in credit underwriting, credit analysis, or risk assessment.
• Strong experience in dealing with SME clients.
• Experience gained in commercial banking, business banking, fintech lending, or similar SME lending environments is highly preferred.
• Solid financial statement analysis skills, including ability to assess profitability, leverage, liquidity, and cash flow.