SAPI is a London-based financial technology company (FinTech) focused on creating the lending infrastructure for the web. We help payment companies provide fast and fair business financing to their sellers while earning a revenue share. We are backed by prominent investors, including unicorn founder-turn-investors and top venture funds in the UK and Europe. Headquartered in London, UK, we are actively seeking to expand our team in Vietnam.

About the Role

Join our team as a Management Trainee and take an instrumental role in driving the growth of our company. As a key member of our Loan Operations department, you will play a vital part in ensuring the efficiency and effectiveness of our loan origination platform. You will be responsible for managing loan applications, facilitating loan processing, and providing exceptional support to our loan applicants in English and their native language (Portuguese, Italian, or Dutch). Your attention to detail, excellent communication skills, and multilingual capabilities will be essential in delivering a seamless loan experience for our clients.

At SAPI, flexibility and adaptability are key to success. As our Management Trainee, you must thrive in an ever-changing environment and be open to diverse responsibilities. In return, you will:

• Immerse yourself in the fintech industry and lending operations, acquiring valuable knowledge and experience;
• Contribute to shaping the company’s operations and strategies;
• Have the opportunity to lead and build a team in the future;
• Collaborate directly with our three founders, benefiting from their extensive networks;
• Enjoy countless benefits and advantages as a founding member of our team.

Apart from being fluent in English, the ideal candidate must also possess fluency in one of the languages of our target markets (Portuguese/Italian/Dutch), display strong motivation, and have a keen interest in fintech and technology.

Your dedication and efforts will directly impact our achievements, as you will not only bring on the future employees of SAPI but also play a pivotal role in shaping the future culture of our business.

What we offer

In this journey with SAPI, we offer several benefits to support you:

• Attractive compensation, with the opportunity to receive company’s equity.
• Transparent salary structure and progression, with annual consideration for pay rise.
• Hybrid working arrangement (3 days a week in our office in Hanoi).
• 12-15 days annual leave (depending on experience), besides national holidays in Vietnam.
• For full-time employees, we have a suite of benefits, including generous sick leave, paternity leave, and compassionate leave – you can read more here.
• Opportunity to be sponsored visa to transfer to our London office.
• Courses and training opportunities to enhance your professional development within your role.
• Other year-round perks such as merchandise, gifts, and team trips.
• Autonomy, ownership and decision-making capabilities from day one.
• A dynamic and motivated team, working in a fun and positive environment.
• An international working environment: Our employees come from around the world, collaborating and communicating in English as our primary language.

Responsibilities

Specific responsibilities include:

• Loan Application Management: Process incoming loan applications. Review application details, validate required documentation, and ensure adherence to SAPI’s loan policies and guidelines.
• Loan Processing: Collaborate with various internal teams to ensure smooth and timely loan processing. Work closely with underwriters, credit analysts, and compliance officers to assess loan eligibility and mitigate risks.
• B2B Customer Support: Provide exceptional customer support by communicating with clients, primarily in English and their native language (Portuguese, Italian, or Dutch), regarding loan application status updates, required information, and any additional support they may need throughout the loan process.
• Data Maintenance: Accurately input and update loan-related information in SAPI’s systems and databases. Ensure data integrity and completeness.
• Process Design and Improvement: Continuously identify opportunities to optimise loan origination processes, streamline operations, and enhance the overall client experience.
• Reporting: Prepare and maintain accurate reports related to loan application status, approval rates, and other performance metrics as required by the management.

Requirements

General Requirements

• Minimum of a bachelor’s degree from a reputable university. A degree in business administration or finance is a plus.
• Experience working in position(s) with relevant skillsets.
• Business proficiency in English and one of the following languages: Portuguese, Italian, or Dutch.
• Tech-savvy: Comfortable navigating and using loan origination platforms and other financial software tools. Training will be provided upon joining the company.
• Attention to Detail: Exceptional eye for detail, ensuring accuracy in data entry and loan application processing. Willing to work with large volume of paperwork and documentation.
• Communication Skills: Excellent verbal and written communication skills in both client-facing and internal interactions.
• Multitasking: Ability to manage multiple loan applications simultaneously while maintaining a high level of efficiency and organisation.
• Customer-Centric: A strong commitment to providing exceptional customer service and support to clients.
• Adaptability: Ability to flourish with minimal guidance, be proactive, and handle uncertainty.
• Team Player: Collaborative approach to work, fostering positive relationships with colleagues and cross-functional teams. Passion for learning and growing in a fast-moving startup environment.
• Candidate must be based in Hanoi, Vietnam.

Not required, but great to see

• Previous experience in loan operations, loan processing, or a related financial services role is highly desirable.

Culture fit

Our Management Trainee’s ideal fit is someone with an entrepreneurial spirit. This means:

• You have the experience
• You crave ownership
• You’re okay with ambiguity
• You’re multidisciplinary
• You operate at light speed