Credit Risk Operations Manager (Fintech)

TL;DR

Credit Risk Operations Manager (Fintech): Managing global credit risk exposure and assessing merchant creditworthiness with an accent on risk performance tracking and KYB processes. Focus on enhancing credit decisioning frameworks and balancing commercial growth with robust risk mitigation.

Location: Hybrid role based in San Francisco

Company

Airwallex is a unified payments and financial platform for global businesses, providing integrated solutions for business accounts, payments, and treasury management.

What you will do

• Manage Airwallex’s global credit risk exposure across all product offerings.
• Evaluate credit risk across various payment acceptance channels, including cards and bank payments.
• Drive Know Your Business (KYB) processes to build and maintain a high-quality merchant portfolio.
• Define, monitor, and deliver against global credit risk performance KPIs.
• Develop and iterate standard operating procedures (SOPs) for vetting and ongoing risk monitoring.
• Partner with Business Development, Legal, and Compliance teams to balance commercial goals with risk mitigation.

Requirements

• Demonstrated experience in assessing counterparty or merchant credit risk.
• Deep understanding of financial statement analysis, cash flow assessment, and collateral structures.
• Practical experience in credit monitoring, limit setting, and early warning frameworks.
• Strong grasp of payment flows and the impact of settlement timing and reserves on credit exposure.
• Ability to identify and escalate emerging credit risks across different geographies.
• Excellent written and verbal communication skills for diverse stakeholders.

Nice to have

• Advanced proficiency in SQL for data analysis.
• Familiarity with card brand monitoring and KYC/KYB requirements.
• Experience managing credit exposure within fintech, payments, or financial institutions.
• Background in regulatory compliance or operational risk management.

Culture & Benefits

• Environment for successful builders with founder-like energy and a focus on true ownership.
• Opportunity for accelerated learning and real impact on high-visibility problems.
• Collaborative culture that values curiosity and first-principles thinking.
• Equal opportunity employer committed to diversity and merit-based hiring.