Senior Director, Financial Risk

Airwallex is the only unified payments and financial platform for global businesses. Powered by our unique combination of proprietary infrastructure and software we empower over 250000 businesses worldwide including Brex Navan Qantas SHEIN and many more with fully integrated solutions to manage everything from business accounts payments spend management and treasury to embedded finance at a global scale.

Proudly founded in Melbourne we have a team of over 2300 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 Lone Pine Capital Airwallex is leading the charge in building the global payments and financial platform of the future. If youre ready to do the most ambitious work of your career join us.

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 youre motivated by our mission and operating principles. You move fast with good judgment dig deep with curiosity and make decisions from first principles balancing speed and rigor.

Youre humble and collaborative; turn zerotoone ideas into real products and you get stuff done end-to-end. You use AI to work smarter and solve problems faster. Here youll tackle complex highvisibility problems with exceptional teammates and grow your career as we build the future of global banking. If that sounds like you lets build whats next.

About the team

The Global Risk team at Airwallex plays a critical role in enabling the companys growth by building a strong scalable and globally consistent approach to risk management. The team works across the business to define risk appetite develop frameworks and policies support strategic decision-making and provide oversight of key risks as Airwallex expands across products markets and regulatory environments. Youll be part of a highly collaborative group that partners closely with Product Engineering Operations Commercial Financial Crime Compliance Regulatory Compliance and Legal teams to help Airwallex grow responsibly and with confidence. This is a team where youll tackle complex high-impact challenges shape how risk is managed at a global fintech and help build the foundations for long-term scale.

What youll do

You will lead Airwallexs global second line Financial Risk function setting the guardrails that allow the business to scale safely across products markets and balance sheet activities. This is a senior leadership role for someone who brings deep technical judgment across credit liquidity capital market and model risk and who has operated with real authority in a regulated financial institution. You will shape the global framework challenge first line decisions and advise senior leadership on the most material financial risk issues facing the company.

This role is based in the US or EMEA.

Responsibilities:

• Establish and lead Airwallexs global Financial Risk framework across credit liquidity capital market and model risk including the standards policies limits and escalation paths that support safe product and business growth.

• Own second line credit risk oversight by defining global underwriting standards credit limits and governance reviewing and challenging first line lending policies and deciding on complex or escalated credit exposures and exceptions.

• Direct the firms liquidity funding and capital resilience agenda by overseeing intraday and structural liquidity risk maintaining contingency funding readiness designing stress testing scenarios and supporting internal adequacy assessments and high-stakes regulatory submissions.

• Set and enforce global FX and market risk guardrails and partner closely with Finance and Treasury leaders on exposure management and hedging strategy.

• Build and institutionalize model governance and independent validation across risk pricing forecasting and automated decisioning models ensuring strong inventory management validation standards and regulator-ready governance.

• Lead and grow a high-performing Financial Risk team spanning Liquidity & Market Risk Capital Risk & Stress Testing Model Governance & Validation and Lending Acquiring & Counterparty oversight while acting as a visible and trusted advisor to senior management committees boards and regulators.

Who you are

Were looking for people who meet the minimum requirements for this role. The preferred qualifications are great to have but are not mandatory.

Minimum qualifications:

• You have 12 to 15 years of experience in financial risk management within banks fintechs payments companies digital banks non-bank lenders or similarly regulated financial institutions including 5 to 7 years in a senior leadership role with global or multi-jurisdictional scope.

• You have deep expertise across several core financial risk disciplines including credit risk liquidity risk capital adequacy stress testing FX or market risk treasury risk or model risk management.

• You have strong second line experience designing frameworks setting limits challenging first line decisions and escalating material matters to senior governance forums and executives.

• You have direct experience developing or overseeing capital and liquidity adequacy frameworks such as ICAAP ILAAP or equivalent prudential processes and designing or governing enterprise stress testing programs.

• You have experience building or scaling model governance standards validation processes and model inventory governance in a regulated environment.

• You have a bachelors degree in finance economics mathematics statistics engineering actuarial science or another quantitative discipline.

Preferred qualifications:

• You have experience leading financial risk in a global fintech payments company digital bank or other high-growth platform business.

• You have experience managing real-time liquidity prefunding cross-border payment rails correspondent structures or payment ecosystem risk.

• You have familiarity with major prudential and model governance expectations including Basel-related capital and liquidity frameworks and regulatory model risk standards.

• You have experience with IFRS 9 expected credit loss methodologies or quantitative underwriting and portfolio analytics environments.

• You have an advanced degree in a quantitative discipline or hold credentials such as CFA or FRM.

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 @ email address. Please apply only through 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.

Airwallex is proud to be an equal opportunity employer. We value diversity and anyone seeking employment at Airwallex is considered based on merit qualifications competence and talent. We dont regard color religion race national origin sexual orientation ancestry citizenship sex marital or family status disability gender or any other legally protected status when making our hiring decisions. If you have a disability or special need that requires accommodation please let us know.

Required Experience:

Exec