Manager, Credit Risk Operations (Fintech)

Location: Hybrid role based in San Francisco, United States

Salary: $130,000–$160,000 annual base pay, plus potential equity and bonus

Company

Airwallex provides an AI-native financial operating system and regulated infrastructure for global payments, serving businesses through its financial products and platform partners.

What you will do

• Manage credit risk exposure across Airwallex's payment products and acceptance channels.
• Evaluate prospective and existing merchants and help build a diversified, high-quality merchant portfolio through KYB processes.
• Define, monitor, and report global credit risk performance KPIs using structured dashboards.
• Build and improve standard operating procedures for vetting, investigation, limit setting, and ongoing monitoring.
• Partner with Business Development, Legal, Compliance, and Transaction Risk teams to balance growth with risk mitigation.
• Identify and escalate emerging credit risks across products and geographies while strengthening risk awareness.

Requirements

• Strong analytical and quantitative skills with experience assessing counterparty or merchant credit risk.
• Deep knowledge of financial statement analysis, cash flow assessment, collateral structures, exposure management, and credit fundamentals.
• Experience with credit monitoring, limit setting, early-warning frameworks, and payment exposure involving settlement timing, reserves, and chargebacks.
• Ability to explain credit findings clearly to technical and non-technical stakeholders and manage multiple priorities with precision.
• Ownership mindset, sound judgment, and the ability to execute with urgency in a fast-paced environment.
• Advanced data analysis skills, such as SQL, are preferred.

Nice to have

• Familiarity with card brand monitoring, compliance, and KYB/KYC requirements.
• Experience managing merchant or partner credit exposure in fintech, payments, or financial institutions.
• Background in regulatory compliance or operational risk management.
• Experience defining and reporting KPIs to improve process performance.
• Understanding of payment processing systems and related credit, fraud, and operational risks.

Culture & Benefits

• Work with a global operations organization focused on workflow optimization and service quality.
• US-based employees may receive medical, dental, and vision insurance, a 401(k) plan, disability coverage, life insurance, and well-being benefits.
• US-based employees receive 20 paid vacation days and 12 company holidays annually.
• Additional compensation may include equity, annual bonuses, commissions, or RSUs.