Manager, Credit Risk Operations

About Airwallex

Airwallex is the AI-native financial operating system for a real-time, intelligent economy. More than 675,000 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. We're 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.

We're co-headquartered in San Francisco and Singapore, with more than 2,300 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.

Manager, Credit Risk Operations

How you'll make impact

You’ll own credit risk operations across Airwallex’s global product portfolio, helping assess prospective and existing merchants while balancing commercial growth with robust risk protection. You’ll evaluate exposure across cards, bank payments and local payment methods, and use data-driven insights to strengthen credit decisioning, monitoring and early-warning frameworks.

• 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 to improve visibility into credit performance.

• Build and improve standard operating procedures for credit risk vetting, investigation and ongoing monitoring.

• Partner with Business Development, Legal, Compliance and Transaction Risk to balance commercial goals with risk mitigation.

• Strengthen risk awareness across global stakeholders and surface emerging risks across products and geographies.

You’ll work from our San Francisco office on Mondays, Wednesdays and Thursdays.

What we're looking for

Essentials

• 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, with the ability to explain credit findings clearly to technical and non-technical stakeholders.

• Proven ability to manage multiple priorities with precision and attention to detail.

• An ownership mindset: you take accountability, drive clarity and execute with urgency.

Preferred

…