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 OverviewWe 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.
Key ResponsibilitiesOwn full P&L performance, including revenue, margins, and cost managementDevelop 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 experimentationOversee credit models, underwriting frameworks, and risk appetiteWork closely with risk teams to balance growth vs portfolio qualityEnhance and develop recovery processes to optimize portfolio returnsLead and build a high-performance teamCollaborate with product and tech teams to construct a seamless end-to-end digitial lending journeiesOversee loan operations including disbursement, servicing, and collections strategyEnsure compliance with Singapore moneylending regulations and make our mark as a responsible lender
RequirementsAt least 5 to 8 years of experience in consumer lending, fintech, or financial servicesProven P&L ownership and business leadership experienceStrong understanding of digital lending / consumer loansExperience in a regulated environment (Singapore preferred)Analytical mindset with strong data-driven decision-making skillsTrack record of scaling loan portfolios or fintech products
Why Join UsOpportunity to lead and scale a high-growth lending businessDirect impact on strategy, product, and financial performanceWork at the intersection of fintech, credit, and data in a fast-evolving market
