Director, Credit Risk, Lending

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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.


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
The Legal, Risk & Compliance (LRC) team at Airwallex is a collaborative group of legal minds and risk management experts.

We're passionate about safeguarding Airwallex's operations, fostering a culture of compliance and ethical conduct, and ensuring we navigate the global financial landscape with integrity.

We provide expert guidance and support to all areas of the business, proactively identifying, mitigating, and managing legal and financial risks.


Job Description
As Director, Credit Risk, you will shape, lead, and execute innovative credit risk strategies for Airwallex’s fast-scaling lending and credit business.

Partnering with Product, Engineering, and Data Science, you’ll steer the design and launch of diverse credit products tailored to the rapidly evolving needs of SMBs across various industries.

With end-to-end responsibility for the credit lifecycle - from origination and underwriting through to servicing and collections - you’ll optimize loan portfolio performance while safeguarding the company from risk.

You’ll build and maintain close relationships with balance sheet partners, investors, and regulators, acting as the key representative for credit performance and risk management.

This role offers the challenge, scale, and excitement of influencing product features, partnering with high-performing teams, and driving results in a dynamic startup growth environment.


Responsibilities
Collaborate with Product, Engineering, and Data Science teams to create and implement diverse credit products that meet the evolving needs of SMBs in various industries.


Manage the entire credit lifecycle, including origination, servicing, and collections, to optimize loan portfolio performance.


Build and maintain relationships with balance sheet partners, investors, regulators, and other stakeholders, providing transparent communication on credit performance and risk management.


Continuously improve Airwallex’s credit risk management strategy and policies to align with business objectives and regulatory requirements.


Lead and mentor the credit and risk management teams, fostering a data-driven decision-making culture.


Integrate advanced data analytics and machine learning models into credit risk assessment and strategy formulation to enhance decision-making and risk predictions.


Stay informed about industry trends, regulatory changes, and technologies that may impact our credit risk framework and lending products.


Minimum Qualifications
10+ years of relevant experience in credit risk management, preferably within fintech, lending, credit cards, or unsecured loans with scale-up/startup growth experience.


Strong business acumen and extensive experience driving credit risk strategy and acquisition underwriting for credit cards or unsecured loans (ideally in new account originations for SMB segments).


Direct experience leading the credit strategy analytical lifecycle, including policy design, underwriting, A/B testing, P&L analysis, performance monitoring, and strategy refinement.


Proven analytical skills: hands-on experience using advanced data analytics, machine learning, customer performance data, and third-party variables to solve business problems.


Demonstrated ability to synthesise and communicate analysis insights and recommendations to business partners and senior management.


Experience leading, mentoring, and developing high-performing credit and risk management teams within a data-driven culture.


Strong understanding of regulatory requirements for credit and lending in Asia-Pacific or other major markets.


Preferred Qualifications
Experience in credit lending product development and lifecycle management (including origination, servicing, collections, and loss mitigation).


Background in startup/scale-up environments, with a proven track record in building and optimizing large-scale lending portfolios.


Advanced degree (Master’s or PhD) in Business, Data Analytics, Mathematics, Engineering, Economics, or other quantitative discipline.


Experience using innovative data sources such as cash flow data, alternative risk scores, or integration of third-party analytics for enhanced underwriting.


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.


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