Senior Data Scientist, Analytics (Lending)

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.

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

As a Credit Risk Analyst - Lending you will help monitor and optimize the performance of Airwallexs business lending portfolio through data-driven analysis portfolio insights and credit risk strategy support. You will be responsible for translating portfolio and policy questions into analytical frameworks monitoring approaches and actionable recommendations that improve credit quality and support sustainable business growth.

• Monitor and analyze the performance of existing business lending portfolios including delinquency trends early warning indicators and credit quality metrics

• Identify emerging risks within the portfolio and provide actionable insights to mitigate potential losses

• Support the assessment and optimization of portfolio-level credit strategies ensuring alignment with regional credit risk policies

• Prepare portfolio reports risk dashboards and management summaries to support senior leadership decision-making

• Collaborate with Operations and Product teams to ensure consistent application of credit policies and effective risk controls

• Participate in periodic portfolio reviews stress testing and credit risk assessment exercises

• Provide analytical support for regulatory reporting audits and internal governance requirements

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

• 3 years of experience in credit risk analytics risk strategy portfolio analytics or a related quantitative role

• Bachelors degree or above in Quantitative Finance Statistics Computer Science Business Analytics Data Science or a related quantitative discipline

• Proficient in SQL and Python with the ability to translate data into actionable insights

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

• Strong attention to detail and the ability to identify discrepancies in data

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

• Hybrid experience of both risk analytics and modelling

• Experience in SME lending experience preferred

• Hands-on experience in ECL modelling credit strategy analysis or credit risk assessment

• Experience designing credit policies decision strategies or performance monitoring frameworks

• Familiarity with stress testing governance audit or regulatory reporting processes

• Opportunity to work on impactful credit risk problems that directly influence lending performance and business outcomes.

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

• Drive better portfolio decisions through analytics monitoring and risk insights that improve customer and business outcomes.

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:

Senior IC