Manager, Credit Risk Operations

Airwallex is the AI-native financial operating system for a real-time intelligent economy. More than 676000 businesses including McLaren Racing Qantas SHEIN and TikTok use us directly or through our platform partners to run their financial operations or build and monetize financial products of their own.

We started in Melbourne in 2015 to build the infrastructure global commerce runs on. Were the regulated backbone behind global payments: not by accident but by design. A decade plus 85 licenses and a financial infrastructure spanning North America Europe the Middle East and Asia-Pacific.

Were co-headquartered in San Francisco and Singapore with more than 2300 people across 27 offices. We hire builders with founder-level energy people who move fast with good judgment dig in with real curiosity and make calls from first principles rather than waiting to be told what to do. Read our operating principles to see it in full.

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 companys growth and maintain high service standards. Our team is dedicated to providing a seamless experience for our customers and supporting Airwallexs mission to empower businesses globally.

As a Credit Risk Operations Manager you will help manage Airwallexs global credit risk exposure. Youll assess prospective and existing merchants define and track risk performance and partner with cross-functional teams to drive both growth and protection. Youll 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 Airwallexs 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

Were 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

Preferred qualifications:

• 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 @ 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:

Manager