Credit Risk Operations Manager

divh2Credit Risk Operations Manager/h2pAirwallex is the only unified payments and financial platform for global businesses. Powered by our unique combination of proprietary infrastructure and software, we empower over 150,000 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./ppProudly founded in Melbourne, we have a team of over 1,800 of the brightest and most innovative people in tech across 26 offices around the globe. Valued at US$6.2 billion and backed by world-leading investors including Visa, Airtree, Blackbird, Sequoia, DST Global, Greenoaks, Salesforce Ventures, Lone Pine, and Square Peg, 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./ph2Attributes We Value/h2pWe 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./ppYoure humble and collaborative; turn zero-to-one 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, high-visibility 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./ph2About The Team/h2pThe 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./ph2What Youll Do/h2pAs 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./ppThis role is based in San Francisco./ph2Responsibilities:/h2olliManage Airwallexs credit risk exposure across all product offerings/liliEvaluate credit risk across payment acceptance channels (cards, bank payments, local payment methods)/liliDrive Know Your Business (KYB) processes to build and maintain a diversified, high-quality merchant portfolio/liliDefine, monitor and deliver against global credit risk performance KPIs/liliBuild, maintain and iterate standard operating procedures (SOPs) for credit risk management, including vetting, investigation and ongoing monitoring/liliDevelop structured reporting and dashboards to give global visibility into credit risk performance/liliPartner with Business Development, Legal, Compliance and Transaction Risk to balance commercial goals with risk mitigation/liliStrengthen risk awareness across global stakeholders and proactively surface emerging risks/li/olh2Who You Are/h2pWere looking for people who meet the minimum requirements for this role. The preferred qualifications are great to have, but are not mandatory./ph2Minimum Qualifications:/h2ulliStrong analytical and quantitative skills with demonstrated experience in assessing counterparty or merchant credit risk/liliDeep understanding of credit fundamentals including financial statement analysis, cash flow assessment, collateral structures, and exposure management/liliPractical experience in ongoing credit monitoring, limit setting, and early warning frameworks for merchant portfolios/liliStrong grasp of payment flows and how settlement timing, reserves, and chargebacks impact credit exposure/liliAbility to identify and escalate emerging credit risks across payment products and geographies/liliExcellent written and verbal communication skills, with the ability to explain credit findings clearly to technical and non-technical stakeholders/liliProven ability to manage multiple priorities in a fast-paced environment with precision and attention to detail/liliOwnership mindset: you take accountability, drive clarity, and execute with urgency/li/ulpstrongPreferred Qualifications:/strong/pulliAdvanced proficiency in data analysis tools (e.g. SQL)/liliFamiliarity with core risk domains such as card brand monitoring, compliance, and KYB/KYC requirements/liliExperience managing credit exposure for merchants or partners within fintech, payments, or financial institutions/liliBackground in regulatory compliance and/or operational risk management/liliTrack record of defining and reporting KPIs to improve process performance/liliDeep understanding of payment processing systems and associated credit, fraud, and operational risks/li/ulh2Applicant Safety Policy: Fraud and Third-Party Recruiters/h2pTo 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 @ airwallex.com email address. Please apply only through careers.airwallex.com or our official LinkedIn page./ppAirwallex 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./ph2Equal Opportunity/h2pAirwallex 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./p/div