Manager, Credit Risk Operations

Proudly founded in Melbourne, we have a team of over 2,300 of the brightest and most innovative people in tech across 27 offices around the globe. Valued at US$11 billion and backed by world-leading investors including T. Rowe Price, Visa, Mastercard, Robinhood Ventures, Sequoia, Salesforce Ventures, DST Global, and...

We hire successful builders with founder-like energy who want real impact, accelerated learning, and true ownership. You bring strong role-related expertise and sharp thinking, and you’re motivated by our mission and operating principles. You move fast with good judgment, dig deep with curiosity, and make decisions ...

You're humble and collaborative; turn zero‑to‑one ideas into real products, and you “get stuff done” end-to-end. You use AI to work smarter and solve problems faster. Here, you’ll tackle complex, high‑visibility problems with exceptional teammates and grow your career as we build the future of global banking. If tha...

As a Credit Risk Operations Manager, you will help manage Airwallex’s global credit risk exposure. You’ll assess prospective and existing merchants, define and track risk performance, and partner with cross-functional teams to drive both growth and protection. You’ll leverage data-driven insights to enhance our credit decisioning and monitoring frameworks, streamline operational processes, and continuously improve the balance between user experience and robust risk mitigation.
 
This hybrid role is based in San Francisco.
 
Manage Airwallex’s credit risk exposure across all product offerings
Evaluate credit risk across payment acceptance channels (cards, bank payments, local payment methods)
Drive Know Your Business (KYB) processes to build and maintain a diversified, high-quality merchant portfolio
Define, monitor and deliver against global credit risk performance KPIs
Build, maintain and iterate standard operating procedures (SOPs) for credit risk management, including vetting, investigation and ongoing monitoring
Develop structured reporting and dashboards to give global visibility into credit risk performance
Partner with Business Development, Legal, Compliance and Transaction Risk to balance commercial goals with risk mitigation
Strengthen risk awareness across global stakeholders and proactively surface emerging risks
 

We're looking for people who meet the minimum requirements for this role. The preferred qualifications are great to have, but are not mandatory.
 
Strong analytical and quantitative skills with demonstrated experience in assessing counterparty or merchant credit risk
Deep understanding of credit fundamentals — including financial statement analysis, cash flow assessment, collateral structures, and exposure management
Practical experience in ongoing credit monitoring, limit setting, and early warning frameworks for merchant portfolios
Strong grasp of payment flows and how settlement timing, reserves, and chargebacks impact credit exposure
Ability to identify and escalate emerging credit risks across payment products and geographies
Excellent written and verbal communication skills, with the ability to explain credit findings clearly to technical and non-technical stakeholders
Proven ability to manage multiple priorities in a fast-paced environment with precision and attention to detail
Ownership mindset: you take accountability, drive clarity, and execute with urgency
 
Advanced proficiency in data analysis tools (e.g. SQL)
Familiarity with core risk domains such as card brand monitoring, compliance, and KYB/KYC requirements
Experience managing credit exposure for merchants or partners within fintech, payments, or financial institutions
Background in regulatory compliance and/or operational risk management
Track record of defining and reporting KPIs to improve process performance
Deep understanding of payment processing systems and associated credit, fraud, and operational risks
To protect you from recruitment scams, please be aware that Airwallex will not ask for bank details, sensitive ID numbers (i.e. passport), or any form of payment during the application or interview process. All official communication will come from an @airwallex.com email address. Please apply only through careers.airwallex.com or our official LinkedIn page.
Airwallex does not accept unsolicited resumes from search firms/recruiters. Airwallex will not pay any fees to search firms/recruiters if a candidate is submitted by a search firm/recruiter unless an agreement has been entered into with respect to specific open position(s). Search firms/recruiters submitting resumes to Airwallex on an unsolicited basis shall be deemed to accept this condition, regardless of any other provision to the contrary.