Senior Associate, Credit Risk Operations (Underwriting)

ABOUT AIRWALLEX 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 200,000 businesses worldwide – including Brex, Rippling, 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 2,200 of the brightest and most innovative people in tech across 26 offices around the globe. Valued at US$8 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. ATTRIBUTES WE VALUE 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 https://www.airwallex.com/us/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 Role: As an Associate, Credit Risk Operations, you will be conducting credit risk reviews of Airwallex’s clients within a team environment. The team works collaboratively with merchants, business development teams, transaction risk analysts, compliance and legal departments to support growth objectives while mitigating and managing risk Responsibilities: 1. Assess merchant’s credibility in both onboarding and monitoring workflows, by verifying and analyzing merchant’s business information and financial statements. 2. Provide tailored credit risk recommendations that mitigate Airwallex’s exposure while facilitating partner company growth 3. Prioritize and process the review of incoming applications to verify their accuracy and integrity, interpret them so that they are concise, exact, integral, in compliance with the policy, and register them accurately and in a timely manner 4. Deliver insights to support key business decisions ranging from onboarding strategies to pricing analysis and product launches 5. Lead process improvements to help the team deliver on key performance indicators and meet service level agreements 6. Provide feedback on data, tools, 3rd party vendors etc. for continuous ops efficiency improvement, along with on-going enhancements of policies and procedures. Qualifications: 1. 5 years of relevant experience with knowledge of commercial credit underwriting, financial statement analysis, and cash flow forecasting 2. Knowledge of merchant acquiring services and the payment processing industry 3. Effective communication skills; attention to detail 4. Be a team player, with strong interpersonal and communication skills, both written and verbal 5. Be highly curious and thoughtful - a proactive self-starter with a sense of urgency and bias for action, under a fast-paced environment 6. Be comfortable with complex data and analytics to draw meaningful insights. An understanding of SQL is preferred for this role. 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 communic