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About the Role

As the Senior Product Manager, AI Risk & Merchant Onboarding, you will shape the first and most important interactions that businesses have with Airwallex. You will own the strategy for creating a fast, intelligent and trusted onboarding experience—one that helps legitimate merchants get started quickly while identifying and responding to fraud and other risks proactively. You’ll help build an AI-native risk system that can understand a merchant’s business, open new sources of insight and make smarter decisions in real time. Your work will sit at the intersection of onboarding, fraud prevention, payments, artificial intelligence and merchant experience. You will also help optimise payment-method recommendations by balancing risk, cost, payment conversion and the overall experience for merchants and their customers.

Responsibilities

Own the product strategy and roadmap for merchant onboarding, risk decisioning and related merchant experiences.
Map and optimise the end-to-end journey from discovery and sign-up through verification, activation and product adoption.
Build AI-powered capabilities that can interpret merchant business context, surface relevant signals and detect emerging risk patterns earlier.
Partner with Engineering, Data Science and Risk teams to develop AI agents that identify compromised accounts, illegal or prohibited selling activity and other suspicious behaviour.
Turn AI-generated insights into real-time actions through fraud and risk models, including intelligent step-ups, reviews, restrictions or approvals where appropriate.
Design risk experiences that proactively protect Airwallex and its customers while minimising unnecessary friction for legitimate merchants.
Develop intelligent payment-method recommendations that balance fraud risk, processing cost, payment conversion rate and merchant experience.
Use data, analytics and customer research to identify onboarding and payment pain points, define success metrics and prioritise opportunities.
Design and run experiments, including A/B tests, to improve onboarding UX, verification outcomes, activation and conversion.
Establish clear feedback loops between product performance, model outcomes, operational review and merchant experience.
Communicate product strategy, trade-offs and results clearly to technical and non-technical stakeholders, including senior leadership.

Requirements

5+ years of product management experience, with a track record of taking products from ideation through delivery and continuous optimisation.
Experience owning product strategy, roadmap planning, product discovery and execution for customer-facing or platform products.
Strong understanding of experimentation, analytics, user journeys and outcome-based product development.
Experience working closely with Engineering, Data Science, Design, Risk, Compliance or Operations teams.
Demonstrated ability to translate complex technical, data or risk concepts into simple product experiences and clear decisions.
Exceptional communication and stakeholder-management skills, with the ability to influence technical and non-technical audiences.
Bachelor’s degree or equivalent professional experience.
Experience in onboarding, fraud prevention, KYC/KYB, transaction monitoring, account security, payments or financial crime risk.
Experience building or scaling AI/ML-powered products, decisioning systems, recommendation engines or agentic workflows.
Understanding of how to use AI to discover merchant context, detect behavioural anomalies and support real-time risk decisions.
Experience balancing risk, operational cost, payment conversion and customer experience in a financial product.
Familiarity with payment-method optimisation, routing, authorisation or payment performance metrics.
Experience in a high-growth technology company or global product environment.
Technical fluency or experience partnering with software engineers, machine-learning engineers or data scientists.
Experience working with products serving merchants across multiple markets and regulatory environments.

Skills

Product Management
AI
Risk Management
Merchant Onboarding
Fraud Prevention
Payments
Artificial Intelligence
Merchant Experience
Product Strategy
Roadmap Planning
Product Discovery
Product Execution
Experimentation
Analytics
User Journeys
Outcome-Based Product Development
Engineering Collaboration
Data Science Collaboration
Design Collaboration
Risk Collaboration
Compliance Collaboration
Operations Collaboration
Communication
Stakeholder Management
KYC/KYB
Transaction Monitoring
Account Security
Financial Crime Risk
AI/ML Product Development
Decisioning Systems
Recommendation Engines
Agentic Workflows
Payment-Method Optimisation
Payment Routing
Payment Authorisation
Payment Performance Metrics
Technical Fluency
Software Engineering Partnership
Machine Learning Engineering Partnership
Data Science Partnership

Experience Level

Senior

Education Level

Bachelor's degree or equivalent professional experience

About the Company

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.
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.
The Product team at Airwallex is a group of passionate builders and problem-solvers who are obsessed with crafting customer-centric solutions that empower businesses to operate anywhere, anytime. We combine technical expertise with a deep understanding of our customers’ needs to design and build unified, intuitive and scalable products.
As a team, we thrive in a collaborative and fast-paced environment. We constantly iterate, challenge conventional thinking and push boundaries to deliver exceptional product experiences for businesses around the world.
This is an opportunity to define how AI can make financial products safer, faster and more intuitive. You’ll work on high-impact problems where better product decisions can directly improve merchant growth while protecting the Airwallex ecosystem from fraud and abuse.

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.