Airwallex is the only unified payments and financial platform for global businesses. Powered by our unique combination of proprietary infrastructure and software, we empower over 200,000 businesses worldwide â including Brex, Rippling, Navan, Qantas, SHEIN and many more â with fully integrated solutions to manage everything from business accounts, payments, spend management and treasury, to embedded finance at a global scale.
Proudly founded in Melbourne, we have a team of over 2,000 of the brightest and most innovative people in tech across 26 offices around the globe. Valued at US$8 billion and backed by world-leading investors including T. Rowe Price, Visa, Mastercard, Robinhood Ventures, Sequoia, Salesforce Ventures, DST Global, and Lone Pine Capital, Airwallex is leading the charge in building the global payments and financial platform of the future. If youâre ready to do the most ambitious work of your career, join us.
We 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 youâre 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.
You're humble and collaborative; turn zeroâtoâone ideas into real products, and you âget stuff doneâ end-to-end. You use AI to work smarter and solve problems faster. Here, youâll tackle complex, highâvisibility problems with exceptional teammates and grow your career as we build the future of global banking. If that sounds like you, letâs build whatâs next.
Within Operations, Risk Operations manages credit and fraud risk across our acquiring and issuing products.
The Credit Risk Operations (Card) team is responsible for managing global credit risk exposure of our emerging charge/credit card offerings â through underwriting, reserve setting, monitoring and portfolio management.
You will report into the Head of Risk Operations and work closely with:
Risk Product and Engineering (Risk Platform, KYB, lending, card)
Issuing Product, Lending, and Financial Platform teams
Financial Crime Compliance and Regulatory & Compliance
Commercial, Finance and Operations teams across regions
As Associate Director, Credit Risk Operations (Card), you will be a key leader in building and scaling how Airwallex underwrites, monitors and manages credit risk for our card products (charge and credit cards).
You will:
Lead card credit risk operations
Own dayâtoâday operations for card credit risk: underwriting, limit setting, monitoring, collections interface and portfolio health tracking for our cards portfolio.
Manage and develop a small, highâimpact team of credit risk analysts / underwriters.
Own underwriting and limit management for card customers
Shape and execute underwriting approaches for card lines, aligned with Credit Risk policy, credit approval authority and product risk appetite.
Review and approve higherârisk or higherâexposure cases that exceed delegated limits, including complex structures and group exposures.
Drive postâonboarding monitoring and portfolio management
Implement and run monitoring frameworks and key risk indicators for card exposure (e.g. utilisation, delinquencies, negative balances, coverage ratios, cashâout behaviour).
Partner with Commercial, Product and Finance on collections and recovery, loss provisioning and writeâoff processes for card portfolios.
Partner with Risk Product, Engineering and Data
Work with Risk Product to define and refine risk rules, models and tooling that support automated underwriting, monitoring and alerting for card credit risk.
Help prioritise and test new risk features (e.g. credit monitoring rules, AI agents, dashboards) that improve speed, accuracy and scalability of card risk operations.
Support new market and product launches
Act as a core risk ops partner for charge card launches and scaleâup , ensuring operational readiness and clear playbooks.
Define Credit Risk Ops processes for new card structures, integrations and partner requirements.
Act as a subjectâmatter expert for internal stakeholders
Provide clear guidance to Commercial and Product on card credit risk, including deal structures, reserve / collateral expectations, and remediation options.
Contribute to policy and framework evolution alongside central Credit Risk and Risk Management.
Contribute to roadmap and continuous improvement
Use data and analytics to identify portfolio trends and opportunities to improve loss performance, capital efficiency and customer experience.
Lead and participate in crossâfunctional initiatives that enhance automation (AI agents), selfâservice workflows and risk transparency for card customers.
You are a cardâsavvy credit risk operations leader who combines strong technical risk skills with handsâon operational judgement.
Minimum qualifications
Significant experience (typically 8+ years) in credit risk and/or credit operations for card products (commercial or corporate cards, charge cards, cardâbased lending) in banks, card schemes, or highâgrowth fintechs.
Demonstrated ownership of endâtoâend credit processes: underwriting, limit setting, collateral / reserve management, monitoring, collections interface and loss management.
Strong understanding of card ecosystems, including scheme rules, chargebacks, programmes and monitoring requirements for credit performance.
Experience leading or coaching risk analysts, with a track record of raising the bar on analysis, documentation and decision quality.
Dataâdriven approach â comfortable working with dashboards, metrics and, ideally, SQL or analytical tools to interrogate portfolio performance.
Proven ability to partner closely with Product, Engineering, Commercial, Finance and secondâline Risk / FCC to deliver pragmatic, scalable solutions.
Excellent written and verbal communication skills, able to clearly articulate risk tradeâoffs and recommendations to both technical and nonâtechnical audiences.
Bachelorâs degree or equivalent experience; a numerate or analytical discipline is preferred.
Preferred qualifications
Experience in global or multiâregion portfolios, including operating under different regulatory and accounting regimes for credit risk.
Experience on enablement and operation management of third party credit facility
Prior involvement in building or scaling a new card or lending product, especially in an MVP / iterative environment.
Comfort working with AIâenabled or highly automated risk tooling and an interest in shaping how AI augments risk operations.
Professional risk or credit qualifications are a plus.
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