Senior Manager, Credit Risk (Fintech)

Location: US - Dallas; fully remote, based in Dallas, Texas

Salary: $128K–$210K per year, plus equity and bonus

Company

Airwallex provides an AI-native financial operating system and regulated global payments infrastructure for businesses and financial product partners.

What you will do

• Lead global second-line oversight of credit, FX, and counterparty risk across merchant acquiring, charge cards, FX, treasury, settlement, and banking-partner activities.
• Own risk frameworks, risk appetite, limits, governance, and portfolio oversight across products and legal entities.
• Challenge underwriting strategies, customer and merchant risk policies, credit assessments, limit-setting, exceptions, and mitigation strategies.
• Establish and monitor second-line controls for FX and counterparty exposures, including prefunding, settlement, treasury flows, and partner exposures.
• Monitor portfolio trends and early-warning indicators, support risk committee decisions and material approvals, and represent Credit Risk in regulatory examinations, audits, and banking-partner reviews.

Requirements

• 10–15 years of progressively senior experience in credit risk, counterparty risk, FX risk, treasury risk, or related financial risk disciplines within banking, payments, fintech, or another highly regulated financial services environment.
• Deep experience designing, implementing, and governing second-line credit risk frameworks in a complex, multi-jurisdictional organization.
• Strong understanding of credit risk identification, measurement, underwriting, limit management, monitoring, mitigation, provisioning, loss recognition, and capital implications.
• Experience managing risk across multiple product lines, including merchant acquiring, commercial or charge cards, B2B lending, payment processing, FX, treasury, settlement, or banking-partner activities.
• Practical experience overseeing FX and counterparty risk, including exposure measurement, concentration risk, limits, settlement risk, prefunding, collateral or other mitigants, and escalation governance.
• Ability to challenge first-line decisions and communicate clear risk positions to senior executives, commercial leaders, product and operations teams, banking partners, auditors, and regulators.

Nice to have

• Advanced degree in business administration, finance, economics, risk management, or a related field.
• Professional certification such as FRM, PRM, CFA, or an equivalent qualification.
• Experience with automated decisioning engines, credit scoring models, portfolio analytics, or alternative underwriting and monitoring data.
• Familiarity with IFRS 9, expected credit loss methodologies, stress testing, or other prudential and accounting frameworks.
• Strong data literacy and familiarity with SQL, Python, or similar tools for analyzing portfolio, exposure, and loss trends.
• Experience in a regulated payments fintech, digital bank, or financial institution with multiple licenses and banking partnerships.
• Comfort operating in a high-growth environment with evolving priorities and a bias for practical, scalable execution.

Culture & Benefits

• Remote work arrangement for the Dallas-based role.
• Work in a compliance-heavy, highly regulated environment focused on trust, discipline, and operational resilience.
• Operate across cultures and jurisdictions while balancing rigorous risk management with fast execution.
• Equity and bonus are offered in addition to salary.

Hiring process

• Apply only through the official Airwallex careers site or official LinkedIn page.
• Official communication will come from an @airwallex.com email address; Airwallex will not request bank details, sensitive identification numbers, or payment during recruitment.
• Unsolicited resumes from search firms or recruiters are not accepted.