Senior Manager, Credit Risk (Fintech)

Location: London, United Kingdom

Company

Airwallex is an AI-native financial operating system providing regulated global payments infrastructure and financial products for businesses.

What you will do

• Lead global second-line oversight of credit, FX, and counterparty risk across Airwallex’s products and legal entities.
• Define and enhance risk frameworks, risk appetite thresholds, limits, escalation protocols, and governance standards.
• Oversee credit exposures across merchant acquiring, charge cards, B2B activities, FX pre-funding, treasury, settlement, and banking-partner activities.
• Challenge underwriting strategies, credit assessments, limit-setting methodologies, mitigation plans, and first-line risk decisions.
• Monitor portfolio exposures, concentrations, defaults, chargebacks, losses, settlement risks, and other early-warning indicators.
• Support risk committees, regulatory examinations, audits, new product reviews, market expansion, and material risk approvals.

Requirements

• 10–15 years of progressively senior experience in credit risk, counterparty risk, FX risk, treasury risk, or related financial risk disciplines.
• Experience designing and governing second-line credit risk frameworks in complex, multi-jurisdictional organizations.
• Strong knowledge of credit risk identification, underwriting, limit management, monitoring, mitigation, provisioning, loss recognition, and capital implications.
• Experience managing risk across banking, payments, fintech, merchant acquiring, lending, cards, FX, treasury, settlement, or banking-partner activities.
• Practical experience with FX and counterparty risk, exposure measurement, concentration risk, settlement risk, prefunding, collateral, and escalation governance.
• Ability to communicate clear risk positions to senior executives, commercial and product teams, banking partners, auditors, and regulators.

Nice to have

• Advanced degree in finance, economics, risk management, business administration, or a related field.
• FRM, PRM, CFA, or equivalent professional certification.
• Experience with automated decisioning, credit scoring, portfolio analytics, alternative underwriting data, IFRS 9, expected credit loss, or stress testing.
• Data literacy and familiarity with SQL, Python, or similar analytical tools.
• Experience in a regulated payments fintech, digital bank, or financial institution with multiple licenses and banking partnerships.

Culture & Benefits

• Work within a global financial risk team supporting a regulated, multi-currency financial platform.
• Collaborate with Product, Sales, Operations, Treasury, Finance, Engineering, Compliance, and Legal.
• Operate in a fast-growing environment focused on practical, scalable execution and responsible commercial growth.
• Engage with senior management, risk committees, regulators, auditors, and banking partners.