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Airwallex Logo Airwallex · Finance

Credit Risk Operations Manager

United States, San Francisco 100000.00 - 150000.00 USD / Year · Job Posted February 21, 2026
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Job Description

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.

Job Responsibility

  • 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

Requirements

  • 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

Nice to have

  • 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

What we offer

  • Offers Equity
  • Offers Bonus
  • medical, dental, and vision insurance
  • a 401(k) plan
  • short-term and long-term disability
  • basic life insurance
  • well-being benefits
  • 20 paid days of vacation
  • 12 paid days of company holidays
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