Credit Risk Operations Specialist

Airwallex; Singapore; On-site; SGD 90,000 - 150,000; Full time

Job summary

Airwallex seeks an Associate, Credit Risk Operations to conduct credit risk reviews of clients within a collaborative team. You will work with merchants, business development, transaction risk analysts, compliance and legal to support growth while mitigating risk.

You will assess credibility in onboarding and monitoring, deliver risk-based recommendations, and help refine policies and processes with a focus on data-driven decisions and continuous improvement.

Qualifications

• 5 years of relevant experience with knowledge of commercial credit underwriting, financial statement analysis, and cash flow forecasting.
• Knowledge of merchant acquiring services and the payment processing industry.
• Effective communication skills; attention to detail.
• Be a team player, with strong interpersonal and communication skills, both written and verbal.
• Be highly curious and thoughtful - a proactive self‑starter with a sense of urgency and bias for action, under a fast‑paced environment.
• Be comfortable with complex data and analytics to draw meaningful insights. An understanding of SQL is preferred for this role.

Responsibilities

• Assess merchant’s credibility in onboarding and monitoring workflows, by verifying and analyzing merchant’s business information and financial statements.
• Provide tailored credit risk recommendations that mitigate Airwallex’s exposure while facilitating partner company growth
• 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
• Deliver insights to support key business decisions ranging from onboarding strategies to pricing analysis and product launches
• Lead process improvements to help the team deliver on key performance indicators and meet service level agreements
• Provide feedback on data, tools, 3rd party vendors etc. for continuous ops efficiency improvement, along with on‑going enhancements of policies and procedures.

Skills

Credit underwriting

Financial analysis

Cash flow forecasting

Communication

Team collaboration

SQL basics

Job description

Airwallex seeks an Associate, Credit Risk Operations to conduct credit risk reviews of clients within a collaborative team. You will work with merchants, business development, transaction risk analysts, compliance and legal to support growth while mitigating risk.

You will assess credibility in onboarding and monitoring, deliver risk-based recommendations, and help refine policies and processes with a focus on data-driven decisions and continuous improvement.