Director, Credit Risk, Lending

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 1,700 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.

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.

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.

• 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.

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:

• 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