Associate Director, Credit Risk Ops (Card)

About the role

Within Operations, Risk Operations manages credit and fraud risk across our acquiring and issuing products. The Credit Risk Operations (Card) team is responsible for managing global credit risk exposure of our emerging charge/credit card offerings - through underwriting, reserve setting, monitoring and portfolio management. You will report into the Head of Risk Operations and work closely with: 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 The opportunity (What you'll do) As Associate Director, Credit Risk Operations (Card) , you will be a key leader in building and scaling how Airwallex underwrites, monitors and manages credit risk for our card products (charge and credit cards). You will: 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.

Requirements

• You are a card‑savvy credit risk operations leader who combines strong

Benefits

Additional Information

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 200,000 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 2,200 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. 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.

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