Associate Director, Credit Risk Ops (Card)

Job description

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 200,000 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 2,200 of the brightest and most innovative people in tech across 26 offices around the globe. Valued at US$8 billion and backed by world-leading investors including T. Rowe Price, Visa, Mastercard, Robinhood Ventures, Sequoia, Salesforce Ventures, DST Global, and Lone Pine Capital, 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. ATTRIBUTES WE VALUE 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 https://www.airwallex.com/us/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. ABOUT THE TEAM Within Operations, Risk Operations manages credit and fraud risk across our acquiring and issuing products. The Credit Risk Operations (Card) team is responsible for managing global credit risk exposure of our emerging charge/credit card offerings – through underwriting, reserve setting, monitoring and portfolio management. You will report into the Head of Risk Operations and work closely with: - Risk Product and Engineering (Risk Platform, KYB, lending, card) - Issuing Product, Lending, and Financial Platform teams - Financial Crime Compliance and Regulatory & Compliance - Commercial, Finance and Operations teams across regions THE OPPORTUNITY (WHAT YOU’LL DO) As Associate Director, Credit Risk Operations (Card), you will be a key leader in building and scaling how Airwallex underwrites, monitors and manages credit risk for our card products (charge and credit cards). You will: - Lead card credit risk operations - Own day‑to‑day operations for card credit risk: underwriting, limit setting, monitoring, collections interface and portfolio health tracking for our cards portfolio. - Manage and develop a small, high‑impact team of credit risk analysts / underwriters. - Own underwriting and limit management for card customers - Shape and execute underwriting approaches for card lines, aligned with Credit Risk policy, credit approval authority and product risk appetite. - Review and approve higher‑risk or higher‑exposure cases that exceed delegated limits, including complex structures and group exposures. - Drive post‑onboarding monitoring and portfolio management - Implement and run monitoring frameworks and key risk indicators for card exposure (e.g. utilisation, delinquencies, negative balances, coverage ratios, cash‑out behaviour). - Partner with Commercial, Product and Finance on collections and recovery, loss provisioning and write‑off processes for card portfolios. - Partner with Risk Product, Engineering and Data - Work with Risk Product to define and refine risk rules, models and tooling that support automated underwriting, monitoring and alerting for card credit risk. - Help prioritise and test new risk features (e.g. credit monitoring rules, AI agents, dashboards) that improve speed, accuracy and scalability of card risk operations. - Support new market and product launches - Act as a core risk ops partner for charge card launches and scale‑up , ensuring operational readiness and clear playbooks. - Define Credit Risk Ops processes for new card structures, integrations and partner requirements. - Act as a subject‑matter expert for internal stakeholders - Provide clear guidance to Commercial and Product on card credit risk, including deal structures, reserve / collateral expectations, and remediation options. - Contribute to policy and framework evolution alongside central Credit Risk and Risk Management. - Contribute to roadmap and continuous improvement - Use data and analytics to identify portfolio trends and opportunities to improve loss performance, capital efficiency and customer experience. - Lead and participate in cross‑functional initiatives that enhance automation (AI agents), self‑service workflows and risk transparency for card customers. WHO YOU ARE You are a card‑savvy credit risk operations leader who combines strong technical risk skills with hands‑on operational judgement. Minimum qualifications - Significant experience (typically 8+ years) in credit risk and/or credit operations for card products (commercial or corporate cards, charge cards, card‑based lending) in banks, card schemes, or high‑growth fintechs. - Demonstrated ownership of end‑to‑end credit processes: underwriting, limit setting, collateral / reserve management, monitoring, collections interface and loss management. - Strong understanding of card ecosystems, including scheme rules, chargebacks, programmes and monitoring requirements for credit performance. - Experience leading or coaching risk analysts, with a track record of raising the bar on analysis, documentation and decision quality. - Data‑driven approach – comfortable working with dashboards, metrics and, ideally, SQL or analytical tools to interrogate portfolio performance. - Proven ability to partner closely with Product, Engineering, Commercial, Finance and second‑line Risk / FCC to deliver pragmatic, scalable solutions. - Excellent written and verbal communication skills, able to clearly articulate risk trade‑offs and recommendations to both technical and non‑technical audiences. - Bachelor’s degree or equivalent experience; a numerate or analytical discipline is preferred. Preferred qualifications - Experience in global or multi‑region portfolios, including operating under different regulatory and accounting regimes for credit risk. - Experience on enablement and operation management of third party credit facility - Prior involvement in building or scaling a new card or lending product, especially in an MVP / iterative environment. - Comfort working with AI‑enabled or highly automated risk tooling and an interest in shaping how AI augments risk operations. - Professional risk or credit qualifications are a plus. APPLICANT SAFETY POLICY: FRAUD AND THIRD-PARTY RECRUITERS To protect you from recruitment scams, please be aware that Airwallex will not ask for bank details, sensitive ID numbers (i.e. passport), or any form of payment during the application or interview process. All official communication will come from an @airwallex.com http://airwallex.com email address. Please apply only through careers.airwallex.com http://careers.airwallex.com or our official LinkedIn page. Airwallex does not accept unsolicited resumes from search firms/recruiters. Airwallex will not pay any fees to search firms/recruiters if a candidate is submitted by a search firm/recruiter unless an agreement has been entered into with respect to specific open position(s). Search firms/recruiters submitting resumes to Airwallex on an unsolicited basis shall be deemed to accept this condition, regardless of any other provision to the contrary. EQUAL OPPORTUNITY Airwallex is proud to be an equal opportunity employer. We value diversity and anyone seeking employment at Airwallex is considered based on merit, qualifications, competence and talent. We don’t regard color, religion, race, national origin, sexual orientation, ancestry, citizenship, sex, marital or family status, disability, gender, or any other legally protected status when making our hiring decisions. If you have a disability or special need that requires accommodation, please let us know.