Manager, Credit Risk Operations

The Operations team at Airwallex ensures the smooth and efficient functioning of our services and processes. We focus on optimizing workflows, improving operational efficiency, and delivering exceptional customer support. By streamlining operations and implementing best practices, we help drive the company's growth and maintain high service standards.

Our team is dedicated to providing a seamless experience for our customers and supporting Airwallex's mission to empower businesses globally.

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.

- 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

- 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