Credit Risk Operations Manager

About Airwallex

Airwallex is the only unified payments and financial platform for global businesses. Powered by our unique combination of proprietary infrastructure and software, we empower over 150,000 businesses worldwide – including Brex, Rippling, Navan, Qantas, SHEIN and many more – with fully integrated solutions to manage everything from business accounts, payments, spend management and treasury, to embedded finance at a global scale.

Proudly founded in Melbourne, we have a team of over 1,800 of the brightest and most innovative people in tech across 26 offices around the globe. Valued at US $6.2 billion and backed by world-leading investors including Visa, Airtree, Blackbird, Sequoia, DST Global, Greenoaks, Salesforce Ventures, Lone Pine, and Square Peg, Airwallex is leading the charge in building the global payments and financial platform of the future.

If you’re ready to do the most ambitious work of your career, join us.

We hire successful builders with founder‑like energy who want real impact, accelerated learning, and true ownership. You bring strong role‑related expertise and sharp thinking, and you’re motivated by our mission and operating principles. You move fast with good judgment, dig deep with curiosity, and make decisions from first principles, balancing speed and rigor.

You’re humble and collaborative; turn zero‑to‑one ideas into real products, and you “get stuff done” end‑to‑end. You use AI to work smarter and solve problems faster. Here, you’ll tackle complex, high‑visibility problems with exceptional teammates and grow your career as we build the future of global banking. If that sounds like you, let’s build what’s next.

The Operations team at Airwallex ensures the smooth and efficient functioning of our services and processes. We focus on optimizing workflows, improving operational efficiency, and delivering exceptional customer support. By streamlining operations and implementing best practices, we help drive the company’s growth and maintain high service standards. Our team is dedicated to providing a seamless experience for our customers and supporting Airwallex’s mission to empower businesses globally.

As a Credit Risk Operations Manager, you will help manage Airwallex’s global credit risk exposure. You’ll assess prospective and existing merchants, define and track risk performance, and partner with cross‑functional teams to drive both growth and protection. You’ll leverage data‑driven insights to enhance our credit decisioning and monitoring frameworks, streamline operational processes, and continuously improve the balance between user experience and robust risk mitigation.

This role is based in San Francisco.

• Manage Airwallex’s credit risk exposure across all product offerings
• Evaluate credit risk across payment acceptance channels (cards, bank payments, local payment methods)
• Drive Know Your Business (KYB) processes to build and maintain a diversified, high‑quality merchant portfolio
• Define, monitor and deliver against global credit risk performance KPIs
• Build, maintain and iterate standard operating procedures (SOPs) for credit risk management, including vetting, investigation and ongoing monitoring
• Develop structured reporting and dashboards to give global visibility into credit risk performance
• Partner with Business Development, Legal, Compliance and Transaction Risk to balance commercial goals with risk mitigation
• Strengthen risk awareness across global stakeholders and proactively surface emerging risks

We’re looking for people who meet the minimum requirements for this role. The preferred qualifications are great to have, but are not mandatory.

• Strong analytical and quantitative skills with demonstrated experience in assessing counter party or merchant credit risk
• Deep understanding of credit fundamentals — including financial statement analysis, cash flow assessment, collateral structures, and exposure management
• Practical experience in ongoing credit monitoring, limit setting, and early warning frameworks for merchant portfolios
• Strong grasp of payment flows and how…