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 2,000 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. 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 Operationsmanages credit and fraud risk across our acquiring and issuing products.TheCredit Risk Operations (Card)team is responsible for managing global credit risk exposure of our emergingcharge/credit cardofferings – through underwriting, reserve setting, monitoring and portfolio management.You will report into theHead of Risk Operationsand work closely with:Risk Product and Engineering (Risk Platform, KYB, lending, card)Issuing Product, Lending, and Financial Platform teamsFinancial Crime Compliance and Regulatory & ComplianceCommercial, Finance and Operations teams across regionsThe opportunity (What you'll do) AsAssociate 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 operationsOwn day‐to‐day operations forcard 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 customersShape and execute underwriting approaches for card lines, aligned withCredit 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 managementImplement and run monitoring frameworks and key risk indicators for card exposure (utilisation, delinquencies, negative balances, coverage ratios, cash‐out behaviour).Partner with Commercial, Product and Finance oncollections and recovery, loss provisioning and write‐offprocesses for card portfolios.Partner with Risk Product, Engineering and DataWork with Risk Product to define and refinerisk rules, models and toolingthat support automated underwriting, monitoring and alerting for card credit risk.Help prioritise and test new risk features (credit monitoring rules, AI agents, dashboards) that improve speed, accuracy and scalability of card risk operations.Support new market and product launchesAct as a core risk ops partner forcharge card launches and scale‐up, ensuring operational readiness and clear playbooks.DefineCredit Risk Ops processesfor new card structures, integrations and partner requirements.Act as a subject‐matter expert for internal stakeholdersProvide clear guidance to Commercial and Product oncard 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 improvementUse data and analytics to identify portfolio trends and opportunities to improveloss 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‐savvycredit risk operations leaderwho combines strong technical risk skills with hands‐on operational judgement.Minimum qualificationsSignificant experience (typically 8+ years) incredit risk and/or credit operationsfor card products (commercial or corporate cards, charge cards, card‐based lending) in banks, card schemes, or high‐growth fintechs.Demonstrated ownership ofend‐to‐end credit processes : underwriting, limit setting, collateral / reserve management, monitoring, collections interface and loss management.Strong understanding ofcard ecosystems, including scheme rules, chargebacks, programmes and monitoring requirements for credit performance.Experience leading or coaching risk analysts, with a track record ofraising 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 withProduct, Engineering, Commercial, Finance and second‐line Risk / FCCto 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 qualificationsExperience inglobal 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 facilityPrior involvement inbuilding or scaling a new card or lending product, especially in an MVP / iterative environment.Comfort working withAI‐enabled or highly automatedrisk tooling and an interest in shaping how AI augments risk operations.Professional risk or credit qualifications are a plus.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.#J-18808-Ljbffr