Senior Data Scientist, Algorithm (Lending & Onboarding)

About Airwallex

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 Rippling 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.

Attributes We Value

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 risk platform team at Airwallex is responsible for managing risk across all Airwallex products including topics like GTPN Payments Issuing Onboarding Account Takeover Lending and Credit. The risk landscape is constantly changing and threats are becoming increasingly sophisticated. We are at the forefront of innovation in risk management.

What youll do

As a Senior Data Scientist you will tackle challenging risk problems across credit and fraud (e.g. account takeover) and help build data-driven decision systems that deliver meaningful business impact. You will be responsible for translating business problems into analytical frameworks strategies models and scalable data solutions.

Responsibilities:

• Build real-time ML models to protect Airwallex customers and platform assets such as Account Takeover prevention and fraud decisioning

• Develop credit risk models and analytical frameworks to assess merchant risk and support the growth of Airwallexs lending business

• Translate business requirements into analytical modeling and strategy problems across fraud credit onboarding and related risk domains

• Design performance monitoring metrics frameworks and decision-support tools to improve risk visibility and decision quality

• Partner with Product Engineering Operations and other cross-functional teams to turn data models and insights into production strategies and measurable business impact

Who You Are

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

Minimum qualifications:

• 3 years of experience in analytics data science risk strategy or a related quantitative role

• Bachelors degree or above in a quantitative field such as Statistics Mathematics Economics Computer Science Engineering or a related discipline

• Proficient in Python and SQL

• Strong problem-solving skills and experience working with large datasets

• Experience partnering with cross-functional stakeholders to solve business problems

Preferred qualifications:

• Experience in credit fraud or related risk domains

• Hands-on experience in model development validation or monitoring

• Experience designing risk rules decision strategies or performance monitoring frameworks

Why Join Us:

• Opportunity to work on impactful problems that directly influence payments success and business outcomes.

• Collaborate with a talented cross-functional team in a fast-paced high-growth environment.

• Drive the adoption of advanced data science techniques and experimentation to improve customer and business outcomes.

Applicant Safety Policy: Fraud and Third-Party Recruiters

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.

Equal opportunity

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:

Senior IC