I joined SG Cash as a Summer intern in 2023, fresh from completing my second year at NTU where I studied Business and Accountancy with a specialisation in Risk Analytics. Naturally, SG Cash’s Credit and Risk Management Internship Programme caught my attention due to its alignment with my academic interests.

I first got to know about SG Cash through a senior in school who shared about their positive experience in SG Cash with me. Not only did the internship offered an opportunity for me to delve deeper into my field of interest, but also demonstrated significant involvement for interns in day-to-day operations, which appealed to me greatly.

My favourite aspect of the Credit & Risk Management course was the hands-on application of risk management concepts across a diverse range of industries. The supportive atmosphere in the office fostered an environment conducive to learning and growth, allowing me to fully leverage the internship experience.

Throughout the internship, I acquired valuable skills and insights, particularly in credit risk measurement, loan underwriting, and communication. With the opportunity to assess nearly 20 cases over 10 weeks, I honed my ability to discern critical details in credit risk assessment. Additionally, frequent client interviews refined my communication skills in a professional setting. Aside from assessing cases, I was given the chance to analyse and reflect on a court case, further expanding my knowledge in credit risk assessment and risk management.

I will definitely recommend the Credit & Risk Management Internship Programme at SG Cash as it offers unparalleled exposure to credit risk across various industries, making SG Cash a wonderful place to set foot into the credit and risk management field. The programme also provides a supportive environment where staff encourages you to push your limits and reach your full potential.

Chlovia Guo Ziyi
Year 2 NBS Undergraduate 2023

As I reflect on my journey as an intern at SG Cash in their Credit & Risk Management Internship Programme, I am filled with gratitude for the invaluable experiences and knowledge I have gained. This essay serves as a testament to the enriching nature of SG Cash’s internship programme.

I embarked on my internship journey with SG Cash in 2023 as a Year 2 student majoring in Business at NTU. The prospect of gaining hands-on experience in credit and risk management within a renowned financial institution like SG Cash was both exhilarating and daunting.

I first learned about SG Cash’s Internship Programme in Credit & Risk Management through a university career fair and word of mouth from a friend. The reputation of SG Cash in the financial industry, coupled with the opportunity to delve into the intricacies of credit and risk management, instantly captured my interest and motivated me to apply.

What resonated with me the most about SG Cash’s Credit & Risk Management course was its comprehensive curriculum. From the fundamental principles of loan application assessment to the nuanced strategies of credit memo creation, this internship provided a holistic understanding of the financial landscape. The blend of theoretical knowledge and practical application allowed me to grasp complex concepts with ease and confidence.

Throughout the internship programme, I had the privilege of learning from seasoned professionals who generously shared their insights and expertise. I acquired practical skills in analysing loan applications, assessing credit risk, and conducting meticulous credit reviews. Moreover, the exposure to real-world scenarios enabled me to develop critical thinking abilities and adapt to dynamic challenges in the financial sector.

I wholeheartedly recommend SG Cash’s Credit & Risk Management course to aspiring professionals seeking to excel in the financial industry. The internship’s emphasis on experiential learning, coupled with mentorship from industry experts, offers participants a unique opportunity to acquire versatile skills and expand their professional horizons. Whether aspiring to pursue a career in banking, finance, or risk management, the knowledge and experiences gained from SG Cash’s internship programme are invaluable assets for success.

In conclusion, my internship experience with SG Cash’s Credit & Risk Management Internship Programme has been nothing short of transformative. The supportive environment, challenging assignments, and mentorship opportunities have equipped me with the confidence and skills necessary to navigate the intricacies of the financial landscape. I am deeply grateful for the enriching experiences and lasting friendships forged during my time at SG Cash. I am confident that the lessons learned will continue to guide me on my professional journey.

In essence, SG Cash’s internship programme has not only provided me with a platform to grow and thrive but has also instilled in me a profound appreciation for the dynamic world of credit and risk management. As I embark on the next chapter of my career, I carry with me the invaluable lessons and memories from my time at SG Cash, forever shaping my trajectory in the financial industry.

Lee Khee Yik
Year 2 NBS Undergraduate 2023  

My time in SG Cash was over the duration of a Winter internship, as a Year 2 Business student specialising in Risk Analytics. I learnt about SG Cash through conversations with former interns who shared their in-depth learning experiences in credit risk management at the company. As someone new to the industry and eager to gain practical knowledge in this field, I saw this as an opportunity to learn about the industry I am keen on joining

The SG Cash Internship stood out for several reasons. It offered a hands-on learning experience that went beyond theoretical knowledge to include real-world applications of credit assessment, financial document analysis, and loan approval processes. The opportunity to engage with a variety of loan packages and participate in live case studies provided invaluable insights. Moreover, the supportive guidance from supervisors and the collaborative team environment fostered a comprehensive understanding of the sector’s dynamics.

During the five-week programme, I delved into the mandatory documents for loan approvals, mastered the nuances of conducting credit reviews, and learned the importance of weighing both quantitative and qualitative factors in decision-making processes. This experience has equipped me with a foundational understanding of credit and risk management principles, which will undoubtedly benefit my future career.

The programme emphasises practical application, coupled with the mentorship and opportunities for growth it provides. It serves as an excellent platform for students aspiring to enter the financial sector or those keen on gaining a deep understanding of credit and risk management.

In summary, my time at SG Cash, although brief, was incredibly enriching and informative. It solidified my interest in risk analytics and equipped me with essential tools and knowledge to further pursue this career path.

Low Yee Bin
Year 2 NBS Undergraduate 2023

I am Tan Hong Ting and I joined SG Cash in December 2023 for the Winter Internship. At that point in time, I was in my third year of study at Nanyang Technological University under Nanyang Business School specializing in Banking and Finance.

I got to know about SG Cash Internship Programme through my university’s career fair where I had the opportunity to speak to the employees there which became my future mentors when I started my internship. I thought that the programme was interesting as the company had many experiences and learnings for each batch of interns and there was a structured programme in place.

The Credit and Risk Management course provided great insight into the industry as it provided first-hand experience for interns. I was able to conduct interviews with our clients and partake in the decision-making process with regard to the loan applications that SG Cash receives. There were constant discussions with our mentors and the boss, making my own credit review and opinions feel very valued.

Throughout the duration of the course, I have a few takeaways that contributed holistically to my own personal and professional growth. The internship has equipped us with a strong knowledge of the credit review process from the start to the end – from assessing the guarantor’s information to the company’s overall health. Through the analysis process, we have learnt to make holistic and objective decisions by taking into account the interview insights as well as through more experiences of loan applications. I have also learnt to analyze various documents, like a bank statement, in a more efficient way than when I first started. Through this internship, I have also understood the importance of being confident when interacting with clients and knowing when to step in when the conversation has steered from the original question. This skill is important and transferable as it helps to maintain the reputation of the company and to portray to the other party that we know what we are doing. Independent learning is especially important during this course due to the large volumes of loan applications received and the short turnover time we have. This is valuable in my future career as it helps me to contribute better to the company.

I would definitely recommend the Credit and Risk Management course to others as it provides an amazing opportunity to gain insight into the industry, and be able to work on real cases and not just case studies. As an intern, having the chance to speak to clients was a surreal experience and I am grateful for the trust in me to engage with the client and understand more about the situation of the business. I was able to learn so much from this course with the guidance of the kind mentors and the boss. Through this programme, I got to build a foundation in the credit and risk management industry and gained transferable work skills which are applicable to any future career.

Tan Hong Ting
Year 3 NBS Undergraduate 2023