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About the Role

Airwallex is seeking a Director, Credit Risk to lead the global second-line oversight of credit, FX, and counterparty risk. This role involves setting risk guardrails for business growth across various financial activities, owning the global framework, risk appetite, limits, governance, and portfolio oversight. The position requires providing independent challenge to first-line decisions and acting as a trusted advisor to senior leaders.

Responsibilities

Define, implement, and enhance the global second-line credit risk framework, including policies, risk appetite, limits, escalation protocols, and governance standards.
Oversee credit exposures across merchant acquiring, charge cards, B2B and commercial activities, FX pre-funding, treasury-related exposures, settlement flows, and other relevant products.
Review and challenge first-line underwriting strategies, customer and merchant risk policies, credit assessments, limit-setting methodologies, and exception processes.
Establish and monitor second-line guardrails for FX exposures arising from pre-funding, settlement, customer activity, treasury flows, and other multi-currency activities.
Set and oversee counterparty risk standards for banking partners, payment partners, merchants, customers, and other material counterparties.
Lead proactive monitoring of credit, FX, and counterparty portfolios, identifying emerging trends and escalating material issues.
Review and challenge first-line monitoring, collections, collateral, prefunding, reserves, chargeback, and other mitigation strategies.
Partner with cross-functional teams to assess and challenge the risk design of new products, features, markets, currencies, and partner arrangements.
Lead or support risk committee decisions, material risk approvals, limit exceptions, breach assessments, and remediation plans.
Represent Credit Risk during regulatory examinations, internal and external audits, and reviews with banking and strategic partners.

Requirements

10–15 years of progressively senior experience across credit risk, counterparty risk, FX risk, treasury risk, or related financial risk disciplines within banking, payments, fintech, or another highly regulated financial services environment.
Deep experience designing, implementing, and governing second-line credit risk frameworks in a complex, multi-jurisdictional organization.
Strong understanding of credit risk identification, measurement, underwriting, limit management, monitoring, mitigation, provisioning, loss recognition, and capital implications.
Demonstrated experience managing risk across multiple product lines, such as merchant acquiring, commercial or charge cards, B2B lending, payment processing, FX, treasury, settlement, or banking-partner activities.
Practical experience overseeing FX and counterparty risk, including exposure measurement, concentration risk, limits, settlement risk, prefunding, collateral or other mitigants, and escalation governance.
Proven ability to challenge first-line decisions and communicate clear risk positions to senior executives, commercial leaders, product and operations teams, banking partners, auditors, and regulators.
Advanced degree such as an MBA or Master's in Finance, Economics, Risk Management, or a related field (preferred).
Professional certification such as FRM, PRM, CFA, or an equivalent qualification (preferred).
Experience with automated decisioning engines, credit scoring models, portfolio analytics, or alternative data used in underwriting and monitoring (preferred).
Familiarity with IFRS 9, expected credit loss methodologies, stress testing, or other relevant prudential and accounting frameworks (preferred).
Strong data literacy and familiarity with SQL, Python, or similar tools used to analyze portfolio, exposure, and loss trends (preferred).
Experience working in a regulated payments fintech, digital bank, or financial institution with multiple licenses and banking partnerships (preferred).
Comfort operating in a high-growth environment with evolving priorities and a bias for practical, scalable execution (preferred).

Skills

Credit risk
Counterparty risk
FX risk
Treasury risk
Financial risk disciplines
Risk framework design
Risk appetite definition
Limit management
Governance standards
Portfolio oversight
Underwriting
Risk assessment
FX exposure monitoring
Counterparty risk management
Risk monitoring
Loss mitigation
New product risk assessment
Risk committee support
Regulatory engagement
Audits
Data analysis
SQL
Python

Location

London

Work Type

Full-time

Experience Level

Director
Senior

Education Level

Advanced degree such as an MBA or Master's in Finance, Economics, Risk Management, or a related field (preferred)
Professional certification such as FRM, PRM, CFA, or an equivalent qualification (preferred)

About the Company

Airwallex is the only unified payments and financial platform for global businesses, empowering over 250,000 businesses worldwide with integrated solutions for business accounts, payments, spend management, treasury, and embedded finance.
Founded in Melbourne, Airwallex has a team of over 2,300 employees across 27 global offices.
The company is valued at US$11 billion and backed by leading investors.
Airwallex is building the global payments and financial platform of the future.
The Credit Risk team is part of Airwallex’s Second Line of Defence, enabling responsible growth as a global financial platform.
The team operates at the intersection of credit, FX, and counterparty risk, partnering with various departments to enable commercial growth while protecting the company from financial loss and excessive risk exposure.

Equal Opportunity

Airwallex is proud to be an equal opportunity employer.
We value diversity and consider anyone seeking employment based on merit, qualifications, competence, and talent.
We do not 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 hiring decisions.
If you have a disability or special need that requires accommodation, please let us know.