Director, Credit Risk

Airwallex
London
Workplace: OnsiteFull timeFunction: Banking, Lending & CreditExperience: 10-15 yearsEducation: mastersSkills: ["Leadership","Stakeholder management","Analytical thinking","Risk judgment","Clear communication"]

Lead Airwallex’s global second-line oversight of credit, FX, and counterparty risk. Define risk guardrails including framework, risk appetite, limits, governance, and portfolio oversight across merchant acquiring, charge cards, treasury, settlement, and banking-partner activities. Challenge first-line underwriting and controls, drive early warning monitoring and loss mitigation, and represent Credit Risk in audits, regulatory examinations, and risk committee approvals. Based in London.

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Airwallex
Airwallex
2 days ago

Director, Credit Risk

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Job Summary

Lead Airwallex’s global second-line oversight of credit, FX, and counterparty risk. Define risk guardrails including framework, risk appetite, limits, governance, and portfolio oversight across merchant acquiring, charge cards, treasury, settlement, and banking-partner activities. Challenge first-line underwriting and controls, drive early warning monitoring and loss mitigation, and represent Credit Risk in audits, regulatory examinations, and risk committee approvals. Based in London.
Location: London
Workplace: Onsite
Employment Type: Full time
Job Function: Banking, Lending & Credit
Seniority: Director level

Key Responsibilities

  • •Define, implement, and continuously enhance the global second-line credit risk framework, including policies, risk appetite thresholds, limits, escalation protocols, and governance standards.
  • •Oversee credit exposures across merchant acquiring, charge cards, B2B and commercial activities, FX pre-funding, treasury-related exposures, and settlement flows.
  • •Review and challenge first-line underwriting strategies and limit-setting methodologies; act as a senior escalation point for complex credit decisions.
  • •Establish and monitor FX and counterparty risk guardrails, including exposure limits, concentration thresholds, monitoring requirements, and escalation processes.
  • •Lead proactive monitoring and early warning indicators for credit, FX, and counterparty portfolios; identify emerging trends and escalate material issues before they become systemic.

Key Requirements

  • •10–15 years of progressively senior experience across credit risk, counterparty risk, FX risk, treasury risk, or related financial risk disciplines in banking, payments, fintech, or similarly regulated services.
  • •Deep experience designing, implementing, and governing second-line credit risk frameworks across a complex, multi-jurisdictional organization.
  • •Strong understanding of credit risk identification, measurement, underwriting, limit management, monitoring, mitigation, provisioning, loss recognition, and capital implications.
  • •Proven ability to manage risk across multiple product lines including merchant acquiring, commercial/charge cards, B2B lending, payment processing, FX, treasury, settlement, or banking-partner activities.
  • •Practical experience overseeing FX and counterparty risk, including exposure measurement, concentration risk, limits, settlement risk, prefunding, collateral (or mitigants), and escalation governance.
Experience:10-15 yearsBankingPaymentsFintechRegulated financial services
Education:Master's in Finance, Economics, Risk Management, or a related field
Skills:LeadershipStakeholder managementAnalytical thinkingRisk judgmentClear communication
Certifications:FRMPRMCFA
Tech Stack:AISQLPython

Company Brief

Airwallex
Airwallex is a global payments and financial platform that provides business accounts, cross-border payments, treasury, corporate cards, and embedded finance APIs to help companies manage global financial operations and scale internationally.
Industry: Fintech Infrastructure
Company Size: Enterprise (1,001+ employees)
Revenue: USD 1B+
Growth: Scaleup
Valuation: Unicorn (USD 1B+)
Funding: Series E+
Headquarters: Singapore, Singapore
Founded: 2015
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Glassdoor: 3.7
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