Senior Manager, Credit Risk

Airwallex • Dallas, TX

1d • $128,000 - $210,000 • Remote

About The Position

As Senior Manager, Credit Risk, you will lead Airwallex’s global second-line oversight of credit, FX, and counterparty risk. You will establish the guardrails needed to support responsible growth across merchant acquiring, charge cards, FX, treasury, settlement, and banking-partner activities. The role owns the global risk framework, risk appetite, limits, governance, and portfolio oversight across products and legal entities, providing independent challenge to first-line decisions and trusted advice to senior leaders.

You will oversee credit exposures and challenge underwriting strategies, customer and merchant risk policies, credit assessments, limit-setting methodologies, exception processes, and mitigation strategies. You will establish and monitor second-line controls for FX and counterparty exposures involving pre-funding, settlement, customer activity, treasury flows, banking and payment partners, merchants, and customers. The role also leads proactive monitoring of portfolio trends and early-warning indicators, supports risk committee decisions and material approvals, and represents Credit Risk in regulatory examinations, audits, and banking-partner reviews.

The role is based in Dallas, Texas, and is fully remote. It is part of Regulatory & Compliance, a team responsible for building the trust, discipline, and operational resilience required to scale Airwallex’s financial platform. The team leads compliance, enterprise risk, and regulatory engagement, aiming to protect the business while enabling growth across markets.

Requirements

• 10–15 years of progressively senior experience in 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.

Nice To Haves

• Advanced degree such as an MBA or Master’s in Finance, Economics, Risk Management, or a related field.
• Professional certification such as FRM, PRM, CFA, or an equivalent qualification.
• Experience with automated decisioning engines, credit scoring models, portfolio analytics, or alternative data used in underwriting and monitoring.
• Familiarity with IFRS 9, expected credit loss methodologies, stress testing, or other relevant prudential and accounting frameworks.
• Strong data literacy and familiarity with SQL, Python, or similar tools used to analyze portfolio, exposure, and loss trends.
• Experience working in a regulated payments fintech, digital bank, or financial institution with multiple licenses and banking partnerships.
• Comfort operating in a high-growth environment with evolving priorities and a bias for practical, scalable execution.

Responsibilities

• Lead 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.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: No Education Listed