--- title: 'Manager, Credit Risk Operations at Airwallex' canonical: 'https://feeny.ai/job/manager-credit-risk-operations-airwallex-united-states-san-francisco-ca-wxrfdyaw9w95' type: 'job' last_seen: '2026-09-23' --- # Manager, Credit Risk Operations at Airwallex - **Company:** [Airwallex](https://feeny.ai/companies/airwallex) - **Location:** United States / San Francisco, CA - **Compensation:** $130k–$160k - **Employment:** full-time - **Work type:** hybrid - **Posted:** 2026-07-22 - **Last confirmed live:** 2026-09-23 - **Apply:** https://jobs.ashbyhq.com/airwallex/7b677f95-7b8c-46c5-afbc-2997d8018b72 ## Job description ## 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 250,000 businesses worldwide – including Brex, 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 2,300 of the brightest and most innovative people in tech across 27 offices around the globe. Valued at US$11 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. 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](https://www.airwallex.com/us/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 Operations team at Airwallex ensures the smooth and efficient functioning of our services and processes. We focus on optimizing workflows, improving operational efficiency, and delivering exceptional customer support. By streamlining operations and implementing best practices, we help drive the company's growth and maintain high service standards. Our team is dedicated to providing a seamless experience for our customers and supporting Airwallex’s mission to empower businesses globally. ## What you’ll do As a Credit Risk Operations Manager, you will help manage Airwallex’s global credit risk exposure. You’ll assess prospective and existing merchants, define and track risk performance, and partner with cross-functional teams to drive both growth and protection. You’ll leverage data-driven insights to enhance our credit decisioning and monitoring frameworks, streamline operational processes, and continuously improve the balance between user experience and robust risk mitigation. This hybrid role is based in San Francisco. Responsibilities: - Manage Airwallex’s credit risk exposure across all product offerings - Evaluate credit risk across payment acceptance channels (cards, bank payments, local payment methods) - Drive Know Your Business (KYB) processes to build and maintain a diversified, high-quality merchant portfolio - Define, monitor and deliver against global credit risk performance KPIs - Build, maintain and iterate standard operating procedures (SOPs) for credit risk management, including vetting, investigation and ongoing monitoring - Develop structured reporting and dashboards to give global visibility into credit risk performance - Partner with Business Development, Legal, Compliance and Transaction Risk to balance commercial goals with risk mitigation - Strengthen risk awareness across global stakeholders and proactively surface emerging risks ## Who you are We're looking for people who meet the minimum requirements for this role. The preferred qualifications are great to have, but are not mandatory. Minimum qualifications: - Strong analytical and quantitative skills with demonstrated experience in assessing counterparty or merchant credit risk - Deep understanding of credit fundamentals — including financial statement analysis, cash flow assessment, collateral structures, and exposure management - Practical experience in ongoing credit monitoring, limit setting, and early warning frameworks for merchant portfolios - Strong grasp of payment flows and how settlement timing, reserves, and chargebacks impact credit exposure - Ability to identify and escalate emerging credit risks across payment products and geographies - Excellent written and verbal communication skills, with the ability to explain credit findings clearly to technical and non-technical stakeholders - Proven ability to manage multiple priorities in a fast-paced environment with precision and attention to detail - Ownership mindset: you take accountability, drive clarity, and execute with urgency Preferred qualifications: - Advanced proficiency in data analysis tools (e.g. SQL) - Familiarity with core risk domains such as card brand monitoring, compliance, and KYB/KYC requirements - Experience managing credit exposure for merchants or partners within fintech, payments, or financial institutions - Background in regulatory compliance and/or operational risk management - Track record of defining and reporting KPIs to improve process performance - Deep understanding of payment processing systems and associated credit, fraud, and operational risks Applicant Safety Policy: Fraud and Third-Party Recruiters To protect you from recruitment scams, please be aware that Airwallex will not ask for bank details, sensitive ID numbers (i.e. passport), or any form of payment during the application or interview process. All official communication will come from an @[airwallex.com](http://airwallex.com) email address. Please apply only through [careers.airwallex.com](http://careers.airwallex.com) or our official LinkedIn page. 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. ## 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. ## About Airwallex ## Company Overview - **One-liner**: Airwallex is a financial technology company building a unified global payments and banking platform that helps businesses manage cross-border payments, treasury, spend, and financial operations through proprietary infrastructure, software, and AI. - **Entity Type**: Private (Series G) - **Headquarters**: Dual headquarters in Singapore and San Francisco, USA; founded in Melbourne, Australia - **Founded**: 2015 - **Founders**: Jack Zhang (CEO), Lucy Liu, Max Li, Xijing Dai, and Ron Li ## Core Business - Primary industry: Financial Services / Payments / Fintech Infrastructure - Target customers: B2B, primarily serving SMBs, scaling enterprises, digital platforms, and marketplaces globally - Mission or purpose statement: "Build the future of global banking" — they aim to replace legacy, fragmented banking systems with a borderless, intelligent, real-time financial operating system for modern businesses. ## Products & Services - **[Business Accounts]**: Multi-currency global accounts to receive, hold, and manage funds in 20+ currencies, with local account details for key markets. - **[Payments]**: Global payment acceptance via 160+ local payment methods, low-code checkout, and programmatic payout capabilities to 200+ countries. - **[Spend / Corporate Cards]**: Multi-currency corporate and employee cards with customisable spend controls, designed for global teams. - **[Expense Management]**: A platform to track, control, and reconcile global business expenses, including employee reimbursements. - **[Billing & Subscription Management]**: A billing platform for usage-based and subscription pricing models, supporting AI companies and complex revenue workflows. - **[Platform APIs]**: API-first infrastructure enabling businesses to embed financial services (accounts, payments, FX, card issuing) into their own products. - **[FX & Treasury]**: Interbank foreign exchange rates and tools to intelligently manage currency risk across markets. ## Market Standing - **Valuation**: US$11 billion (latest valuation in 2025, following a fresh investment round). - **Key Metric**: US$1.8 billion in total funding raised; Annual Recurring Revenue (ARR) surpassed US$1 billion by 2025. - **Notable Investors/Partners**: Series G investors include prominent global venture capital firms (specific names not listed in source but backed by top-tier VCs); serves over 200,000 businesses including TikTok, Brex, Rippling, Navan, Qantas, and SHEIN. - **Growth Signals**: - US$287 billion in global payments processed (USD). - 92% of transfers settled same-day, 50% processed instantly. - Over 85 financial licenses and registrations globally. - Team of ~2,300 people across 27 offices internationally. - Dual-headquarters model (Singapore + San Francisco) adopted in 2025 to support next phase of growth. ## Competitive Advantages - Proprietary, API-first infrastructure built from scratch (not riding legacy banking rails), enabling faster, cheaper, and more transparent cross-border transactions. - Unified platform combining banking, payments, spend management, billing, and FX — reducing the need for multiple vendors. - Deep AI integration across the platform to automate financial operations and provide intelligent insights. - Extensive regulatory licensing (85+ licenses) across major markets, creating a high barrier to entry. - Strong network effects: serves both direct businesses and platforms/marketplaces that embed Airwallex into their offerings. ## Strategic Focus - Continue scaling the platform to support the rapid growth of AI-native companies and usage-based business models (highlighted by the launch of their global billing platform). - Expand the dual-headquarters presence to tap into the largest tech talent markets (San Francisco and Singapore). - Invest heavily in AI to build "interconnected, intelligent financial systems where money, data, and decisions move together." - Deepen product capabilities to automate financial operations end-to-end for global businesses. ## Why Work Here - High-growth, ambitious environment: described as "the most ambitious work of your career" by the company; founded in 2015 and already processing $287B in payments. - Global impact and scale: work on infrastructure used by 200,000+ businesses, from startups to enterprises like TikTok and SHEIN. - Hybrid/office culture: 27 offices globally (Melbourne, Singapore, San Francisco, London, Shanghai, Amsterdam, and more) offering opportunities to work across teams and locations. - Engineering-driven culture: heavy emphasis on building proprietary technology, AI, and developer-first products. - Notable perks: opportunity to work on a modern financial stack, exposure to cutting-edge AI/Fintech intersection, and a diverse, international team of "2,200 of the brightest and most innovative people in tech." ## Sources 1. [airwallex.com - Who We Are](https://www.airwallex.com/en-eu/who-we-are) 2. [airwallex.com - Global Platform](https://www.airwallex.com/global) 3. [careers.airwallex.com](https://careers.airwallex.com/) 4. [LinkedIn - Airwallex](https://www.linkedin.com/company/airwallex) 5. [jobs.ashbyhq.com - Airwallex](https://jobs.ashbyhq.com/airwallex) ## Other roles at Airwallex - [Account Manager, SME & Growth](https://feeny.ai/job/account-manager-sme-growth-airwallex-paris-67artx8d2md2) — Paris, France - [Manager, Revenue Strategy & Enablement, Americas](https://feeny.ai/job/manager-revenue-strategy-enablement-americas-airwallex-united-states-new-york-ny-2cmqbe3y8ywg) — United States / New York, NY - [Director, Channel Partnerships, SME & Growth, Americas](https://feeny.ai/job/director-channel-partnerships-sme-growth-americas-airwallex-mexico-city-f6vywapfd8tb) — Mexico City, Mexico - [Sales Development Representative, SME & Growth](https://feeny.ai/job/sales-development-representative-sme-growth-airwallex-mexico-city-bqfhmdyy1a88) — Mexico City, Mexico - [Senior Product Sales, Billing](https://feeny.ai/job/senior-product-sales-billing-airwallex-united-states-san-francisco-ca-g432epphzkty) — United States / San Francisco, CA - [Manager, Revenue Strategy & Operations (SEA)](https://feeny.ai/job/manager-revenue-strategy-operations-sea-airwallex-singapore-3pwgvavfjr52) — Singapore - [Account Manager, Enterprise](https://feeny.ai/job/account-manager-enterprise-airwallex-shanghai-7rapy17erkrj) — Shanghai, China - [Senior Account Manager, Mid-Market](https://feeny.ai/job/senior-account-manager-mid-market-airwallex-london-epzcdt5m6s96) — London, United Kingdom - [Senior Customer Success Manager, Enterprise](https://feeny.ai/job/senior-customer-success-manager-enterprise-airwallex-singapore-saq6wz6wbcfm) — Singapore - [Customer Success Manager, Enterprise](https://feeny.ai/job/customer-success-manager-enterprise-airwallex-singapore-3t86g6jyskn3) — Singapore