Director, Credit Risk, Lending at Airwallex

Melbourne, Victoria, Australia

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Not SpecifiedCompensation

Expert & Leadership (9+ years)Experience Level

Full TimeJob Type

UnknownVisa

FinTech, Financial ServicesIndustries

Requirements

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 account originations for SMB segments)
Direct experience leading the credit lifecycle

Responsibilities

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

Skills

Key technologies and capabilities for this role

Credit Risk ManagementLendingUnderwritingLoan OriginationServicingCollectionsPortfolio OptimizationRisk Strategy

Questions & Answers

Common questions about this position

What is the employment type for this Director, Credit Risk role?

This is a full-time position.

Is this Director, Credit Risk position remote or office-based?

This information is not specified in the job description.

What key skills and experiences are required for the Director, Credit Risk role?

The role requires expertise in credit risk management, experience leading credit lifecycles from origination to collections, and the ability to collaborate with Product, Engineering, and Data Science teams to develop credit products.

What is the culture like in the Legal, Risk & Compliance team at Airwallex?

The LRC team is a collaborative group of legal minds and risk management experts passionate about safeguarding operations, fostering compliance and ethical conduct, and navigating the global financial landscape with integrity.

What makes a strong candidate for the Director, Credit Risk position?

Strong candidates will have experience shaping credit risk strategies, managing full credit lifecycles, building stakeholder relationships with partners and regulators, and thriving in a dynamic startup environment partnering with Product, Engineering, and Data Science teams.

Airwallex

Cross-border payment solutions for businesses

About Airwallex

Airwallex provides cross-border payment solutions for businesses of all sizes, including small to medium-sized enterprises and large corporations. The company offers a range of financial services such as multi-currency accounts, international money transfers, foreign exchange services, and payment gateway solutions. These services are designed to facilitate efficient and cost-effective international transactions. Airwallex uses advanced technology to ensure that these transactions are fast and secure. Unlike many competitors, Airwallex focuses on building financial infrastructure that supports the digital economy, allowing businesses to operate seamlessly across borders. The company's goal is to simplify global payments and make them accessible to businesses worldwide.

Eastern District, Hong KongHeadquarters

2015Year Founded

$877.4MTotal Funding

SERIES_ECompany Stage

FintechIndustries

1,001-5,000Employees

Benefits

Hybrid Work Options

Employee Equity Programs

Risks

Increased competition from fintech startups could erode Airwallex's market share.

Regulatory scrutiny in Asia-Pacific, especially China, may impact Airwallex's operations.

Volatility in foreign exchange rates poses a risk to Airwallex's revenue streams.

Differentiation

Airwallex offers a comprehensive suite of cross-border payment solutions for businesses.

The company integrates financial services into platforms, enhancing customer experience and efficiency.

Airwallex's global presence with ten international offices supports its expansive service offerings.

Upsides

Airwallex reported an 83% revenue increase in APAC, showcasing strong regional growth.

The partnership with Carwow enhances Airwallex's visibility and operational efficiency in the UK.

Airwallex's expansion in EMEA with new offices boosts its international market presence.

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