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 100,000 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 1,500 of the brightest and most innovative people in tech located across more than 20 offices across the globe. Valued at US$5.6 billion and backed by world-leading investors including Sequoia, Lone Pine, Greenoaks, DST Global, Salesforce Ventures and Mastercard, 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.

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.

What you’ll do

This role will collaborate closely with cross-functional teams to develop and execute innovative credit products that meet the unique needs of SMBs, driving growth and performance. Overseeing the end-to-end credit lifecycle, this role will ensure effective portfolio management and risk mitigation while maintaining strong relationships with key stakeholders. This role will also integrate advanced analytics into credit risk strategies and foster a data-driven culture to continuously refine these strategies, keeping pace with evolving industry trends and regulatory standards.

This role is based in Melbourne or Sydney.

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.

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

• Continuously improve the company'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.

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

• Use advanced data analytics and machine learning models to lead the credit risk assessment framework and improve decision-making and risk prediction.

Who you are

We're looking for people who meet the minimum qualifications for this role. The preferred qualifications are great to have, but are not mandatory.

Minimum qualifications:

Key Qualifications:

• 8+ years of relevant 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 near-prime, new-to-credit, and thin-file segments)

• Direct experience leading the credit strategy analytical life cycle, including:

  • Strategy formulation using advanced data analytics (e.g., decision trees)

  • A/B testing

  • P&L evaluation

  • Proposal presentation

  • Strategy implementation

  • Performance monitoring

• Proven analytical skills leading and/or conducting sophisticated analysis using customer performance data, bureau attributes, and other third-party variables to solve business problems

• Demonstrated ability to synthesize and communicate analysis insights and recommendations to business partners and senior management, and drive and/or influence business decisions

• Proficiency in Excel/Spreadsheet and PowerPoint/Slides

• Highly motivated, results-oriented, eager to learn, and able to work collaboratively with cross-functional teams in a fast-paced and dynamic environment

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.

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.