Become a Debt Restructuring Associate with VIV Associates.

BEHIND EVERY NUMBER IS A PERSON.

Every month, individuals and families across Singapore struggle with credit cards, personal loans and other unsecured debts.

A parent trying to provide for the family.

A working professional whose salary disappears the moment it comes in.

Someone afraid to answer another phone call from a creditor.

Someone lying awake wondering:

“How am I going to get out of this?”

At VIV Associates, our Debt Restructuring Associates help people understand the options available to them and take the next step towards resolving their debt situation.

And we're looking for more people to join us.

DEBT PROBLEMS ARE MORE COMMON THAN MOST PEOPLE REALISE.

Debt doesn't always look like financial irresponsibility.

Sometimes it starts with an emergency.

Sometimes it's a reduction in income.

Sometimes it's supporting a family.

Sometimes several credit cards and loans simply become too difficult to manage.

And the numbers show just how real the problem has become.

IMAGINE IF YOUR WORK COULD CHANGE THE DIRECTION OF SOMEONE'S LIFE.

Most people don't wake up knowing how to deal with overwhelming debt.

They may not understand the options available.

They may feel embarrassed to speak about it.

And sometimes they've spent months trying to solve everything themselves.

As a Debt Restructuring Associate, your role starts by listening.

Understanding their situation.

Helping them explore possible debt-resolution options.

Guiding them through VIV's consultation process.

And helping them take the next step.

You're not just dealing with numbers on a spreadsheet.

You're dealing with someone's future.

Apply Now
  • 5,111

    Bankruptcy applications were filed in Singapore in 2025.

  • +28%

    Increase in bankruptcy applications from 2023 to 2025.

  • 1,623

    Bankruptcy orders were made in 2025.

Source: Singapore Department of Statistics / Insolvency Office.


These numbers represent people who have already taken formal steps to address their debt situation.

The bigger question is: how many more are still struggling in silence?

That’s where the work we do matters.

What You Need to Know Before You Apply

01

What We’re Looking For

No prior experience in finance or debt consultancy is required. You’ll receive structured training to build the knowledge and practical skills needed for the role.

This opportunity is best suited for individuals who are:

  • Self-motivated and comfortable working independently
  • Confident communicating with people
  • Willing to actively generate and follow up with leads
  • Resourceful, coachable, and committed to improving
  • Driven by performance and personal growth

Experience in sales, business, customer service, or entrepreneurship is an advantage, but not essential.

02

Training & Getting Started

Your journey begins with a structured training programme covering the fundamentals of debt consultancy, client communication, compliance, and our proven consultation process.

The programme includes:

  • 2 days of in-person training at our office
  • 1 assessment and practical evaluation
  • Consultation frameworks and marketing guidance
  • Ongoing mentorship and support as you begin

You won’t be expected to figure everything out on your own—we’ll provide a clear framework to help you get started confidently.

03

Important Things to Know

This is a freelance, commission-based opportunity and does not come with a fixed monthly salary. Your earnings are based on successfully engaging and assisting clients through our services.

To ensure full transparency:

  • Minimum quarterly and annual performance requirements apply
  • An upfront training fee is required
  • You must be prepared to actively prospect, follow up, and build your own client pipeline
  • Results will depend on your effort, consistency, and ability to apply the training

This opportunity is designed for people who want greater control over their income and are prepared to take ownership of their performance.

04

Is This the Right Opportunity for You?

If you’re looking for a salaried position with guaranteed income, this may not be the right fit. But if you’re ready to learn, take ownership, and build a meaningful performance-based career, we’d like to hear from you.

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