Airwallex

Director, Credit Risk, Lending

Airwallex

full-time

Posted on:

Origin:  • 🇦🇺 Australia

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Job Level

Lead

About the role

  • Shape, lead, and execute innovative credit risk strategies for Airwallex’s fast-scaling lending and credit business.
  • Partner with Product, Engineering, and Data Science teams to create and implement diverse credit products that meet the evolving needs of SMBs in various industries.
  • Steer the design and launch of diverse credit products tailored to SMB needs.
  • Manage the entire credit lifecycle, including origination, underwriting, servicing, and collections, to optimize loan portfolio performance.
  • Optimize loan portfolio performance while safeguarding the company from risk.
  • Build and maintain close 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.

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 strategy analytical lifecycle, including policy design, underwriting, A/B testing, P&L analysis, performance monitoring, and strategy refinement.
  • Proven analytical skills: hands-on experience using advanced data analytics, machine learning, customer performance data, and third-party variables to solve business problems.
  • Demonstrated ability to synthesise and communicate analysis insights and recommendations to business partners and senior management.
  • Experience leading, mentoring, and developing high-performing credit and risk management teams within a data-driven culture.
  • Strong understanding of regulatory requirements for credit and lending in Asia-Pacific or other major markets.
  • Experience in credit lending product development and lifecycle management (including origination, servicing, collections, and loss mitigation) (preferred).
  • Background in startup/scale-up environments, with a proven track record in building and optimizing large-scale lending portfolios (preferred).
  • Advanced degree (Master’s or PhD) in Business, Data Analytics, Mathematics, Engineering, Economics, or other quantitative discipline (preferred).
  • Experience using innovative data sources such as cash flow data, alternative risk scores, or integration of third-party analytics for enhanced underwriting (preferred).
  • Founder-like energy, strong role-related expertise, sharp thinking, move fast with good judgment, dig deep with curiosity, and make decisions from first principles (attributes valued).