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In a world where career shifts are common, Gwen Yap’s 30-year journey with IFS Capital is nothing short of inspiring. From starting as an Assistant Credit Controller to becoming Head of Operations, Gwen’s story is a testament to dedication, adaptability, and the power of a supportive workplace.
This International Women’s Day, we take a moment to honor Gwen’s incredible contributions, her insights on the company’s evolution, and the wisdom she shares for future generations.
Gwen’s most memorable moment at IFS Capital dates back to the company’s transition from its original office at 141 Market Street to the newly developed Suntec City—a move that symbolized the company’s expansion and ambition.
"It showed how IFS evolved through the times," Gwen reflects. And evolve, it did. Over the past three decades, IFS Capital has grown from a traditional finance company into a one-stop lending solutions provider, housing Friday Finance, Lendingpot, and IFS Asset Management (IFSAM) under its umbrella.
"IFS has transformed to keep pace with the industry—investing in digitalization, enhancing customer experience, and expanding its financial services," Gwen shares.
Starting her journey in collections, Gwen climbed the ranks to lead operations—a journey marked by challenges, learning, and trust.
"The company gave me room to grow, from handling debt collection to leading operations. These milestones are deeply meaningful to me," she says.
Beyond personal career growth, Gwen values meaningful connections built along the way. Customer visits, she notes, stand out as an impactful experience:
"Understanding customers' needs firsthand allowed us to improve services and foster genuine relationships. Over the years, these interactions evolved into strong business partnerships and even friendships."
Through industry shifts, system upgrades, and even the challenges of COVID-19, Gwen has seen resilience and teamwork define IFS Capital’s culture.
"One of my most memorable experiences was during the J Factor/Salesforce system migration while navigating COVID-19. Despite overwhelming challenges, the team’s commitment and support for one another were unwavering. We emerged stronger than ever."
For Gwen, the culture at IFS Capital is what makes it feel like home.
"Trust, collaboration, and continuous learning define us. We push each other to grow while valuing every contribution, big or small."
For those just starting their careers at IFS Capital, Gwen’s advice is simple yet powerful:
Her motivation after all these years? The opportunities to grow, the excitement of new challenges, and the strong team that feels like family.
With IFS Capital continuing its expansion, Gwen envisions it becoming the top factoring company in the industry while maintaining its commitment to fast, simple, and affordable lending solutions.
Her personal goal?
"Driving automation and digitalization to improve efficiency, boost productivity, and promote work-life balance for our team."
As we celebrate Gwen’s remarkable journey, we also celebrate the values that make IFS Capital a thriving workplace—growth, trust, and innovation.
Gwen’s 30-year career is a story of commitment, transformation, and impact. Her journey reflects the heart of IFS Capital—its ability to adapt, grow, and empower its people.
On this International Women’s Day, we honor not just Gwen, but all the women who shape our industry, redefine success, and inspire future generations.
Here’s to many more years of success, innovation, and empowerment!
IFS Capital Limited, established in 1987, is a trusted Singapore-based financial institution. Specializing in tailored financial solutions for Micro, Small & Medium Enterprises (MSMEs), IFS Capital offers factoring, invoice financing, and various loans to support business growth. Rely on our expertise for your financial needs.