Associate, Credit Risk Operations (Underwriting)

TL;DR

Associate, Credit Risk Operations (Underwriting) (Commercial Credit and Payments): Conducting credit risk reviews for merchants across onboarding and monitoring workflows, with an accent on financial analysis, underwriting recommendations, and operational risk controls. Focus on interpreting complex applications, forecasting cash flow, improving review processes, and delivering insights for pricing and product decisions.

Location: Singapore

Company

Airwallex provides an integrated payments and financial platform for global businesses, combining proprietary infrastructure with software for business accounts, payments, spend management, treasury, and embedded finance.

What you will do

• Assess merchant credibility during onboarding and ongoing monitoring by verifying business information and analyzing financial statements.
• Develop credit risk recommendations that manage exposure while supporting partner growth.
• Prioritize and process applications accurately, efficiently, and in line with credit policies.
• Provide insights for onboarding strategies, pricing analysis, and product launches.
• Lead process improvements to meet team KPIs and service-level agreements.
• Provide feedback on data, tools, third-party vendors, policies, and procedures to improve operational efficiency.

Requirements

• 5 years of relevant experience in commercial credit underwriting, financial statement analysis, and cash flow forecasting.
• Knowledge of merchant acquiring services and the payment processing industry.
• Strong written and verbal communication, interpersonal skills, and attention to detail.
• Ability to work collaboratively in a fast-paced environment with curiosity, urgency, and initiative.
• Comfort working with complex data and analytics to produce meaningful insights.
• Understanding of SQL is preferred.

Culture & Benefits

• Work on high-visibility problems within a global financial technology platform.
• Collaborative environment involving merchants, business development, transaction risk, compliance, and legal teams.
• Culture focused on ownership, fast execution, sound judgment, curiosity, and continuous learning.
• Equal opportunity workplace with accommodation available for candidates with disabilities or special needs.

Hiring process

• Official communication is sent from an @airwallex.com email address.
• Applications should be submitted through the official careers site or LinkedIn page.