Associate, Credit Risk Operations

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. About the team The Operations team at Airwallex ensures the smooth and efficient functioning of our services and processes. We focus on optimizing workflows, improving operational efficiency, and delivering exceptional customer support. By streamlining operations and implementing best practices, we help drive the company's growth and maintain high service standards. Our team is dedicated to providing a seamless experience for our customers and supporting Airwallex’s mission to empower businesses globally. What you’ll do As an Associate, Credit Risk Operations, you will be conducting credit risk reviews of Airwallex’s clients within a team environment, with a focus on the ongoing monitoring of clientele and written-off portfolio management. The team works collaboratively with clients, business development teams, risk analysts, compliance and legal departments to support growth objectives while mitigating and managing risk. This hybrid role is based in San Francisco. Responsibilities: - Assess clients’ credibility in both onboarding and monitoring workflows, by verifying and analyzing business information and financial statements. - Manage written-off portfolio to meet individual and team performance targets, through contacting clients to negotiate payment arrangements that will ensure maximum recovery and reduce credit loss. - Research account histories and provide tailored recommendations that mitigate Airwallex’s risk and recommend appropriate remedial actions. - Deliver insights to support key business decisions ranging from onboarding strategies to monitoring and collection workflows. - Proactively identifies issues, irregularities and emerging risks, takes swift action to resolve or timely escalate if necessary - Provide feedback on data, tools, 3rd party vendors etc. for continuous operations efficiency improvement, along with on-going enhancements of policies and procedures. Who you are We're looking for people who meet the minimum requirements for this role. The preferred qualifications are great to have but are not mandatory. Minimum qualifications: - 5 years of relevant experience with knowledge of bad debt collections, credit underwriting and financial statement analysis - Effective communication s