Senior Manager, Credit Risk
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Job Description
Senior Manager overseeing credit, FX, and counterparty risk for Airwallex’s global financial operating system. Setting risk frameworks and controls across payments, cards, treasury, and banking partnerships.
Responsibilities:
- Lead Airwallex’s global second-line oversight of credit, FX, and counterparty risk
- Set guardrails supporting responsible growth across merchant acquiring, charge cards, FX, treasury, settlement, and banking-partner activities
- Own the global risk framework, risk appetite, limits, governance, and portfolio oversight across products and legal entities
- Provide independent challenge to first-line decisions and trusted advice to senior leaders
- Oversee credit exposures and challenge underwriting strategies, customer and merchant risk policies, credit assessments, limit-setting methodologies, exception processes, and mitigation strategies
- Establish and monitor second-line controls for FX and counterparty exposures, including pre-funding, settlement, customer activity, treasury flows, banking partners, payment partners, merchants, and customers
- Lead proactive monitoring of portfolio trends and early-warning indicators
- Support risk committee decisions and material approvals
- Represent Credit Risk in regulatory examinations, audits, and banking-partner reviews
Requirements:
- 10–15 years of progressively senior experience across 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
- Demonstrated experience managing risk across multiple product lines, such as 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
- Proven 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
- Advanced degree such as an MBA or Master's in Finance, Economics, Risk Management, or a related field (preferred)
- Professional certification such as FRM, PRM, CFA, or an equivalent qualification (preferred)
- Experience with automated decisioning engines, credit scoring models, portfolio analytics, or alternative data used in underwriting and monitoring (preferred)
- Familiarity with IFRS 9, expected credit loss methodologies, stress testing, or other relevant prudential and accounting frameworks (preferred)
- Strong data literacy and familiarity with SQL, Python, or similar tools used to analyze portfolio, exposure, and loss trends (preferred)
- Experience working in a regulated payments fintech, digital bank, or financial institution with multiple licenses and banking partnerships (preferred)
- Comfort operating in a high-growth environment with evolving priorities and a bias for practical, scalable execution (preferred)
Benefits:
- Equity
- Bonus eligibility
- Medical insurance
- Dental insurance
- Vision insurance
- 401(k) plan
- Short-term disability
- Long-term disability
- Basic life insurance
- Well-being benefits
- 20 paid days of vacation for US-based employees
- 12 paid days of company holidays for US-based employees
- Statutory minimum paid annual leave and public holidays
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