Copy of Associate Director, Credit Risk Ops (Card)

Airwallex

21h

About The Position

Airwallex is a unified payments and financial platform for global businesses, empowering over 200,000 businesses with integrated solutions for accounts, payments, spend management, and treasury. Founded in Melbourne, it has a global team of over 2,000 across 26 offices and is valued at US$8 billion. The company seeks successful builders with founder-like energy, strong role-related expertise, and a motivation for real impact, accelerated learning, and true ownership. Within Operations, the Risk Operations team manages credit and fraud risk across acquiring and issuing products. The Credit Risk Operations (Card) team is specifically responsible for managing global credit risk exposure of emerging charge/credit card offerings through underwriting, reserve setting, monitoring, and portfolio management. The Associate Director, Credit Risk Operations (Card) will be a key leader in building and scaling how Airwallex underwrites, monitors, and manages credit risk for its card products (charge and credit cards).

Requirements

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.

Nice To Haves

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.

Responsibilities

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.
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.
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.
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.
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.
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.
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.