Senior Manager, Credit Risk

The role

You will lead global second-line oversight of credit, FX, and counterparty risk. You will set guardrails for merchant acquiring, charge cards, FX, treasury, settlement, and banking-partner activities.

What you will do

• Lead global second-line oversight of credit, FX, and counterparty risk.
• Own the global risk framework, risk appetite, limits, governance, and portfolio oversight.
• Provide independent challenge to first-line decisions and advice to senior leaders.
• Oversee credit exposures and challenge underwriting strategies and risk policies.
• Establish and monitor second-line controls for FX and counterparty exposures.
• Lead proactive monitoring of portfolio trends and early-warning indicators.
• Support risk committee decisions and material approvals.
• Represent Credit Risk in regulatory examinations, audits, and banking-partner reviews.

Required qualifications

• 10–15 years of progressively senior experience across credit risk, counterparty risk, FX risk, treasury risk, or related financial risk disciplines within banking, payments, fintech, or another highly
• Deep experience designing, implementing, and governing second-line credit risk frameworks in a complex, multi-jurisdictional organization.
• Strong understanding of credit risk identification, measurement, underwriting, limit management, monitoring, mitigation, provisioning, loss recognition, and capital implications.
• Demonstrated experience managing risk across multiple product lines, such as merchant acquiring, commercial or charge cards, B2B lending, payment processing, FX, treasury, settlement, or banking-partn
• Practical experience overseeing FX and counterparty risk, including exposure measurement, concentration risk, limits, settlement risk, prefunding, collateral or other mitigants, and escalation governa
• Proven ability to challenge first-line decisions and communicate clear risk positions to senior executives, commercial leaders, product and operations teams, banking partners, auditors, and regulators

Nice to have

• Advanced degree such as an MBA or Master's in Finance, Economics, Risk Management, or a related field.
• Professional certification such as FRM, PRM, CFA, or an equivalent qualification.
• Experience with automated decisioning engines, credit scoring models, portfolio analytics, or alternative data used in underwriting and monitoring.
• Familiarity with IFRS 9, expected credit loss methodologies, stress testing, or other relevant prudential and accounting frameworks.
• Strong data literacy and familiarity with SQL, Python, or similar tools used to analyze portfolio, exposure, and loss trends.
• Experience working in a regulated payments fintech, digital bank, or financial institution with multiple licenses and banking partnerships.
• Comfort operating in a high-growth environment with evolving priorities and a bias for practical, scalable execution.

About the company

Airwallex is the AI-native financial operating system for a real-time, intelligent economy. It provides financial infrastructure for global commerce and is co-headquartered in San Francisco and Singapore.