Copy of Associate Director Credit Risk Ops (Card)

• Risk Product and Engineering (Risk Platform KYB lending card)
• Issuing Product Lending and Financial Platform teams
• Financial Crime Compliance and Regulatory & Compliance
• Commercial Finance and Operations teams across regions

• 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.
• Own underwriting and limit management for card customers
• 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.
• Drive post-onboarding monitoring and portfolio management
• 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.
• Partner with Risk Product Engineering and Data
• 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.
• Support new market and product launches
• 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.
• Act as a subject-matter expert for internal stakeholders
• 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.
• Contribute to roadmap and continuous improvement
• 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.

• 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.

• 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.

What We Do

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 200000 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 2000 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.

Why Work With Us

Airwallex was founded by people told their idea was unreasonable and we've hired that way ever since. We move fast think globally and give you ownership from day one. If you want to pioneer global finance at scale alongside the ambitious let's talk.

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