Manager, Credit Risk Operations

The role

You will own credit risk exposure across the global product portfolio and payment acceptance channels. You will drive KYB processes, monitor credit risk performance KPIs, and build standard operating procedures for vetting and monitoring.

What you will do

• Own credit risk exposure across Airwallex’s global product portfolio and payment acceptance channels.
• Drive KYB processes that support a diversified, high-quality merchant portfolio.
• Define and monitor global credit risk performance KPIs, reporting and dashboards.
• Build and improve standard operating procedures for credit risk vetting, investigation and ongoing monitoring.
• Partner with Business Development, Legal, Compliance and Transaction Risk.
• Strengthen risk awareness across global stakeholders and surface emerging risks.

Required qualifications

• Strong analytical and quantitative skills, with demonstrated experience 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 with ongoing credit monitoring, limit setting and early-warning frameworks for merchant portfolios.
• Strong understanding of payment flows and how settlement timing, reserves and chargebacks affect credit exposure.
• Experience identifying and escalating emerging credit risks across payment products and geographies.
• Excellent written and verbal communication skills.
• Proven ability to manage multiple priorities with precision and attention to detail.
• An ownership mindset: you take accountability, drive clarity and execute with urgency.

Nice to have

• Advanced proficiency in data analysis tools such as SQL.
• Familiarity with 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 or operational risk management.
• A track record of defining and reporting KPIs to improve process performance.
• Deep understanding of payment processing systems and associated credit, fraud and operational risks.

About the company

Airwallex is an AI-native financial operating system for a real-time, intelligent economy. It provides financial infrastructure for over 675,000 businesses globally.