Associate Director, Credit Risk Ops – Card

🕒 April 23

🏄 California, New York – Remote

🏄 California – Remote 🗽 New York – Remote

💵 $160k - $260k / year

⏰ Full Time

🟠 Senior

⚙️ Operations

🦅 H1B Visa Sponsor

This company has sponsored H1B visas in the past.

Apply Now

Find Similar Remote Jobs

Receive Emails For Remote Jobs

📊 Check your resume score for this job

Improve your chances of getting an interview by checking your resume score before you apply.

Upload Resume

Airwallex

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

Founded 2015

💳 Fintech

💸 Finance

Fintech • Finance • Payments

Airwallex is a fintech company that provides leading technology solutions to manage global payments, treasury, and financial operations for businesses. It offers a comprehensive suite of financial services including business accounts, spend management tools, payment solutions, and embedded finance components to build custom financial products. Airwallex's platform supports multi-currency transactions, interbank FX rates, and global transfers, aiming to simplify financial operations and unlock growth opportunities for over 150,000 businesses worldwide. The company is committed to providing safe, reliable, and compliant financial services with a strong technological infrastructure.

📋 Description

• Lead card credit risk operations • Own day-to-day operations for card credit risk: underwriting, limit setting, monitoring, collections interface and portfolio health tracking for our cards portfolio • Manage and develop a small, high-impact team of credit risk analysts / underwriters • Own underwriting and limit management for card customers • Shape and execute underwriting approaches for card lines, aligned with Credit Risk policy, credit approval authority and product risk appetite • Review and approve higher-risk or higher-exposure cases that exceed delegated limits, including complex structures and group exposures • Drive post-onboarding monitoring and portfolio management • Implement and run monitoring frameworks and key risk indicators for card exposure (e.g. utilisation, delinquencies, negative balances, coverage ratios, cash-out behaviour) • Partner with Commercial, Product and Finance on collections and recovery, loss provisioning and write-off processes for card portfolios • Partner with Risk Product, Engineering and Data • Work with Risk Product to define and refine risk rules, models and tooling that support automated underwriting, monitoring and alerting for card credit risk • Help prioritise and test new risk features (e.g. credit monitoring rules, AI agents, dashboards) that improve speed, accuracy and scalability of card risk operations • Support new market and product launches • Act as a core risk ops partner for charge card launches and scale-up, ensuring operational readiness and clear playbooks • Define Credit Risk Ops processes for new card structures, integrations and partner requirements • Act as a subject-matter expert for internal stakeholders • Provide clear guidance to Commercial and Product on card credit risk, including deal structures, reserve / collateral expectations, and remediation options • Contribute to policy and framework evolution alongside central Credit Risk and Risk Management • Contribute to roadmap and continuous improvement • Use data and analytics to identify portfolio trends and opportunities to improve loss performance, capital efficiency and customer experience • Lead and participate in cross-functional initiatives that enhance automation (AI agents), self-service workflows and risk transparency for card customers

🎯 Requirements

• Significant experience (typically 8+ years) in credit risk and/or credit operations for card products (commercial or corporate cards, charge cards, card-based lending) in banks, card schemes, or high-growth fintechs • Demonstrated ownership of end-to-end credit processes: underwriting, limit setting, collateral/reserve management, monitoring, collections interface and loss management • Strong understanding of card ecosystems, including scheme rules, chargebacks, programmes and monitoring requirements for credit performance • Experience leading or coaching risk analysts, with a track record of raising the bar on analysis, documentation and decision quality • Data-driven approach – comfortable working with dashboards, metrics and, ideally, SQL or analytical tools to interrogate portfolio performance • Proven ability to partner closely with Product, Engineering, Commercial, Finance and second-line Risk / FCC to deliver pragmatic, scalable solutions • Excellent written and verbal communication skills, able to clearly articulate risk trade-offs and recommendations to both technical and non-technical audiences • Bachelor’s degree or equivalent experience; a numerate or analytical discipline is preferred.

🏖️ Benefits

• US-based employees are eligible to participate in medical, dental, and vision insurance • 401(k) plan • Short-term and long-term disability • Basic life insurance • Well-being benefits • 20 paid days of vacation and 12 paid days of company holidays in a calendar year