About Airwallex

Airwallex is the AI-native financial operating system for a real-time, intelligent economy. More than 676,000 businesses, including McLaren Racing, Qantas, SHEIN, and TikTok, use us, directly or through our platform partners, to run their financial operations or build and monetize financial products of their own.

We started in Melbourne in 2015 to build the infrastructure global commerce runs on. We're the regulated backbone behind global payments: not by accident, but by design. A decade plus, 85+ licenses, and a financial infrastructure spanning North America, Europe, the Middle East, and Asia-Pacific.

We're co-headquartered in San Francisco and Singapore, with more than 2,300 people across 27 offices. We hire builders with founder-level energy, people who move fast with good judgment, dig in with real curiosity, and make calls from first principles rather than waiting to be told what to do. Read our operating principles to see it in full.

About the team

The risk platform team at Airwallex is responsible for managing risk across all Airwallex products, including topics like lending, Payments, Issuing and Onboarding. The risk landscape is constantly changing, and threats are becoming increasingly sophisticated. We are at the forefront of innovation in risk management.

What you’ll do

As a Credit Risk Analyst - Lending, you will help monitor and optimize the performance of Airwallex’s business lending portfolio through data-driven analysis, portfolio insights, and credit risk strategy support. You will be responsible for translating portfolio and policy questions into analytical frameworks, monitoring approaches, and actionable recommendations that improve credit quality and support sustainable business growth.

Responsibilities:

• Monitor and analyze the performance of existing business lending portfolios, including delinquency trends, early warning indicators, and credit quality metrics

• Identify emerging risks within the portfolio and provide actionable insights to mitigate potential losses

• Support the assessment and optimization of portfolio-level credit strategies, ensuring alignment with regional credit risk policies

• Prepare portfolio reports, risk dashboards, and management summaries to support senior leadership decision-making

• Collaborate with Operations and Product teams to ensure consistent application of credit policies and effective risk controls

• Participate in periodic portfolio reviews, stress testing, and credit risk assessment exercises

• Provide analytical support for regulatory reporting, audits, and internal governance requirements

Who You Are

We're looking for people who meet the minimum qualifications for this role. The preferred qualifications are great to have, but are not mandatory.

Minimum qualifications:

• 3+ years of experience in credit risk analytics, risk strategy, portfolio analytics, or a related quantitative role

• Bachelor’s degree or above in Quantitative Finance, Statistics, Computer Science, Business Analytics, Data Science, or a related quantitative discipline

• Proficient in SQL and Python, with the ability to translate data into actionable insights

• Strong problem-solving skills and experience working with large datasets

• Strong attention to detail and the ability to identify discrepancies in data

• Experience partnering with cross-functional stakeholders to solve business problems

Preferred qualifications:

• Hybrid experience of both risk analytics and modelling

• Experience in SME lending experience preferred

• Hands-on experience in ECL modelling, credit strategy analysis, or credit risk assessment

• Experience designing credit policies, decision strategies, or performance monitoring frameworks

• Familiarity with stress testing, governance, audit, or regulatory reporting processes

Why Join Us:

• Opportunity to work on impactful credit risk problems that directly influence lending performance and business outcomes.

• Collaborate with a talented, cross-functional team in a fast-paced, high-growth environment.

• Drive better portfolio decisions through analytics, monitoring, and risk insights that improve customer and business outcomes.

Applicant Safety Policy: Fraud and Third-Party Recruiters

To protect you from recruitment scams, please be aware that Airwallex will not ask for bank details, sensitive ID numbers (i.e. passport), or any form of payment during the application or interview process. All official communication will come from an @airwallex.com email address. Please apply only through careers.airwallex.com or our official LinkedIn page.

Airwallex does not accept unsolicited resumes from search firms/recruiters. Airwallex will not pay any fees to search firms/recruiters if a candidate is submitted by a search firm/recruiter unless an agreement has been entered into with respect to specific open position(s). Search firms/recruiters submitting resumes to Airwallex on an unsolicited basis shall be deemed to accept this condition, regardless of any other provision to the contrary.

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.