Credit Risk Analyst Jobs in California (NOW HIRING)

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 250,000 businesses worldwide - including Brex, 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 2,300 of the brightest and most innovative people in tech across 27 offices around the globe. Valued at US$11 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. 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 a Credit Risk Operations Manager, you will help manage Airwallex's global credit risk exposure. You'll assess prospective and existing merchants, define and track risk performance, and partner with cross-functional teams to drive both growth and protection. You'll leverage data-driven insights to enhance our credit decisioning and monitoring frameworks, streamline operational processes, and continuously improve the balance between user experience and robust risk mitigation.
This hybrid role is based in San Francisco.
Responsibilities:

• Manage Airwallex's credit risk exposure across all product offerings
• Evaluate credit risk across payment acceptance channels (cards, bank payments, local payment methods)
• Drive Know Your Business (KYB) processes to build and maintain a diversified, high-quality merchant portfolio
• Define, monitor and deliver against global credit risk performance KPIs
• Build, maintain and iterate standard operating procedures (SOPs) for credit risk management, including vetting, investigation and ongoing monitoring
• Develop structured reporting and dashboards to give global visibility into credit risk performance
• Partner with Business Development, Legal, Compliance and Transaction Risk to balance commercial goals with risk mitigation
• Strengthen risk awareness across global stakeholders and proactively surface emerging risks

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:

• Strong analytical and quantitative skills with demonstrated experience in assessing counterparty or merchant credit risk
• Deep understanding of credit fundamentals - including financial statement analysis, cash flow assessment, collateral structures, and exposure management
• Practical experience in ongoing credit monitoring, limit setting, and early warning frameworks for merchant portfolios
• Strong grasp of payment flows and how settlement timing, reserves, and chargebacks impact credit exposure
• Ability to identify and escalate emerging credit risks across payment products and geographies
• Excellent written and verbal communication skills, with the ability to explain credit findings clearly to technical and non-technical stakeholders
• Proven ability to manage multiple priorities in a fast-paced environment with precision and attention to detail
• Ownership mindset: you take accountability, drive clarity, and execute with urgency

Preferred qualifications:

• Advanced proficiency in data analysis tools (e.g. SQL)
• Familiarity with core risk domains such as card brand monitoring, compliance, and KYB/KYC requirements
• Experience managing credit exposure for merchants or partners within fintech, payments, or financial institutions
• Background in regulatory compliance and/or operational risk management
• Track record of defining and reporting KPIs to improve process performance
• Deep understanding of payment processing systems and associated credit, fraud, and operational risks

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.