Manager, Credit Risk Operations

About the team

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 company's growth and maintain high service standards. Our team is dedicated to providing a seamless experience for our customers and supporting Airwallex’s mission to empower businesses globally.

What you’ll do

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

Responsibilities:

Manage Airwallex’s 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

Who you are

We're looking for people who meet the minimum requirements for this role. The preferred qualifications are great to have, but are not mandatory.

Minimum qualifications:

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

Applicant Safety Policy: Fraud and Third-Party Recruiters

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 @airwallex.com email address. Please apply only through careers.airwallex.com 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.

Equal opportunity

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 don’t 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.