Associate Director, Credit Risk Ops – Card

Airwallex

Associate Director leading credit risk operations for card products at Airwallex. Overseeing underwriting, monitoring, and team development for card risk management.

Posted 4/23/2026full-timeRemote • California, New York • 🇺🇸 United StatesSenior💰 $160,000 - $260,000 per yearWebsite

Tech Stack

Tools & technologies

SQL

About the role

Key responsibilities & impact

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

What you’ll need

Significant experience (typically 8+ years) in credit risk and/or credit operations for card products (commercial or corporate cards, charge cards, card-based lending) in banks, card schemes, or high-growth fintechs
Demonstrated ownership of end-to-end credit processes: underwriting, limit setting, collateral/reserve management, monitoring, collections interface and loss management
Strong understanding of card ecosystems, including scheme rules, chargebacks, programmes and monitoring requirements for credit performance
Experience leading or coaching risk analysts, with a track record of raising the bar on analysis, documentation and decision quality
Data-driven approach – comfortable working with dashboards, metrics and, ideally, SQL or analytical tools to interrogate portfolio performance
Proven ability to partner closely with Product, Engineering, Commercial, Finance and second-line Risk / FCC to deliver pragmatic, scalable solutions
Excellent written and verbal communication skills, able to clearly articulate risk trade-offs and recommendations to both technical and non-technical audiences
Bachelor’s degree or equivalent experience; a numerate or analytical discipline is preferred.

Benefits

Comp & perks

US-based employees are eligible to participate in medical, dental, and vision insurance
401(k) plan
Short-term and long-term disability
Basic life insurance
Well-being benefits
20 paid days of vacation and 12 paid days of company holidays in a calendar year

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Hard Skills & Tools

credit riskunderwritinglimit managementportfolio managementmonitoring frameworkskey risk indicatorsdata analyticsSQLrisk rulesautomated underwriting

Soft Skills

leadershipcoachingcommunicationcollaborationproblem-solvinganalytical thinkingdecision makingguidancecontinuous improvementcross-functional teamwork