Manager – Financing

Joining C&C is a distinctive opportunity to develop your career within a successful organization where everyone respects each other and enjoys working together. We recognize your performance in both tangible and intangible ways, by providing you development opportunities and making you feel respected. People are our driving strength of the company's success, which is rooted in the expertise, passion and dedication of our people. This is motivated by the desire to deliver excellence in customer service and product innovation.

Part of the Cycle & Carriage Group, Republic Auto brings established automotive experience and customer-focused support to Singapore's pre-owned car market. It is one of the leading pre-owned car dealer in Singapore that provides a truly comprehensive range of offerings to meet our customer's various car needs from pre-sales to after-sales services. Since our humble beginnings in 2000, we have grown in size and stature over the years, becoming Singapore's leading certified pre-owned car dealer.

The Manager - Financing will establish, manage and grow the company's lending and financing business. This role combines business development, operational management, relationship ownership and portfolio oversight. As custodian of the business, the Manager is accountable to the CEO for delivering agreed business KPIs while maintaining sound credit discipline, effective controls and sustainable profitability.

This is a hands-on leadership position requiring the ability to build systems and processes from inception, lead daily execution and develop the business as it scales.

1. Business establishment, systems and governance

• Develop and implement the operating model, launch roadmap and organisational structure for the financing business.
• Establish clear reporting lines, role responsibilities, approval hierarchies, delegated authority limits and escalation procedures.
• Build standard operating procedures covering lead generation, customer onboarding, credit assessment, approvals, documentation, disbursement, loan servicing, collections and recovery.
• Define business requirements and oversee the implementation of systems for customer relationship management, loan administration, payment tracking, document management and performance reporting.
• Establish appropriate access controls, independent transaction checks, audit trails and business continuity arrangements.
• Work with the CEO and relevant Finance, Legal, Compliance and Technology support to ensure operational readiness before commencing business.

2. Sales, revenue and business performance

• Translate the CEO's business objectives into annual budgets, sales plans and measurable operating targets.
• Manage the daily sales pipeline, financing applications, approvals and disbursements to achieve agreed volume, revenue and profitability targets.
• Develop dealer and referral channels, identify new customer segments and pursue commercially viable financing opportunities.
• Recommend product structures, pricing, fees and dealer incentives, taking into account funding costs, operating expenses and credit risk.
• Monitor application conversion, turnaround times, customer retention and channel performance.
• Track recognised revenue, cash receipts and principal repayments separately, in coordination with Finance, to maintain accurate business reporting.
• Identify underperformance promptly and implement corrective action.

3. Daily operations, receipts and collections

• Oversee the full financing lifecycle, ensuring transactions are processed accurately, promptly and in accordance with approved terms.
• Ensure required documentation, approval conditions and applicable security arrangements are completed before disbursement.
• Manage repayment schedules, billing, receipts allocation, account reconciliation, early settlements and account closure.
• Maintain accurate and current records of outstanding balances, amounts due, collections and overdue accounts.
• Establish structured collections procedures, including reminders, customer follow-up, escalation and recovery actions.
• Oversee external collection or recovery providers where appointed, including service standards and conduct.
• Resolve operational exceptions, disputed balances and customer complaints within agreed timelines.

4. Credit quality, risk and controls

• Implement approved credit policies, underwriting criteria, exposure limits and portfolio monitoring procedures.
• Ensure credit decisions are properly assessed, documented and approved by the designated authority.
• Monitor arrears, defaults, credit losses, customer and dealer concentrations, and collateral coverage where applicable.
• Identify early warning signs of repayment difficulty, fraud, documentation irregularities or deterioration in portfolio quality.
• Recommend appropriate remedial action, including enhanced monitoring, revised exposure limits and recovery strategies.
• Coordinate with relevant specialists to maintain compliance with applicable requirements for the business, including customer due diligence, data protection and fair customer treatment.
• Escalate material risks, suspected misconduct, policy breaches and losses promptly to the CEO.

5. Dealer, customer and financial institution relationships

• Serve as the principal relationship owner for key dealers, customers, banks, financial institutions and financing partners.
• Develop productive partnerships that generate quality business, support funding access and improve customer service.
• Negotiate commercial arrangements and service expectations within approved authority limits.
• Coordinate financing submissions, facility utilisation, renewals and reporting obligations with banking and funding partners.
• Review partner performance, business quality and concentration risks regularly.
• Ensure relationship histories, agreements and key contacts are documented and accessible to authorised personnel.

6. Business stewardship, team leadership and CEO reporting

• Take ownership of the business's operating performance, portfolio quality, service standards and reputation.
• Recruit, train and supervise the team as the business develops, with clear accountability for sales, operations and collections.
• Establish performance reviews, operating meetings and procedures that support consistent execution.
• Work with Finance to forecast cash requirements and funding availability, ensuring disbursements remain within approved facilities and liquidity limits.
• Provide the CEO with regular dashboards covering business performance, financial results, portfolio quality, collections and material risks.
• Explain variances against budget and targets, recommend action and follow through on agreed improvements.
• Continuously improve processes, systems and resource allocation to support growth and operating efficiency.

• Degree or professional qualification in Finance, Banking, Accounting, Business or a related discipline, or equivalent relevant experience.
• Typically 5-8 years of relevant experience in lending, financing, hire purchase, leasing, asset finance or credit operations, including supervisory or management responsibility.
• Demonstrated ability to manage financing operations and deliver commercial results with sound credit discipline.
• Experience establishing a new business unit, implementing loan systems or developing operating procedures would be advantageous.
• Strong working knowledge of credit assessment, loan documentation, collections, financial analysis and portfolio monitoring.
• Experience managing dealer networks and banking or financial institution relationships would be advantageous.

Cycle & Carriage (C&C) is one of Singapore's leading automotive groups. Established in 1899, we have grown from our beginnings as a trader in nutmegs and other sundries to a business that distributes, retails and provides aftersales services for passenger and commercial vehicles. Today, our portfolio in Singapore includes Mercedes-Benz, Mitsubishi, Kia, Citroën, Maxus, ORA, smart, Gogoro, PEUGEOT and Leapmotor, as well as our used-car business, Republic Auto. We also represent Zhongtong buses and SITRAK.

At C&C, it is more than the recognition we have earned over the years. "Exceptional Journeys" reflects what we strive to create for our customers, our people and the brands we represent. We bring together strong teams, technical expertise and a commitment to service to create experiences that go beyond expectations. Whether it is a customer we serve, an employee we support or a brand we represent, we aim to help create exceptional journeys at every touchpoint.

We believe our people are at the heart of our business. We strive to create a workplace where people can grow, contribute and feel a sense of belonging. We put a strong emphasis on appreciation, recognition and giving our people opportunities to develop.

Our people practices have also been recognised through various awards, including:

• HR Asia's Best Companies to Work For - Platinum Award 2025, marking our 11th consecutive year of recognition
• Happiest Workplace Certified 2024

As the automotive industry continues to evolve, we are also growing our presence in electric and new energy vehicles and mobility solutions. This gives our people the opportunity to be part of an industry that is changing how people and businesses move. Keen for a career conversation? Connect with us to find out more.