Staff Product Manager, Lending

Airwallex Pty Ltd.; San Francisco (CA); On-site; USD 180,000 - 280,000; Full time

Job summary

Airwallex is seeking a Staff Product Manager, Lending to define strategy across embedded and first‑party lending, and to shape differentiated products globally. You will work with engineering, data, risk and commercial leaders to drive multi‑quarter roadmaps while mentoring other product managers.

This role offers high autonomy in a fast‑paced, multi‑market environment with opportunities to impact global banking platforms and scale across markets.

Qualifications

• 8+ years of product management experience in fintech or lending.
• Strong track record leading large, ambiguous product areas.
• Deep experience in lending or embedded finance products.
• Strong commercial, analytical judgment and risk awareness.
• Proven ability to influence senior stakeholders without formal authority.
• Exceptional communication across executives and teams.
• Ability to work across cross‑cultural teams.
• Bachelor’s degree or higher.

Responsibilities

• Define and drive the product strategy for significant parts of Airwallex’s lending platform, including embedded lending and first‑party lending capabilities
• Lead highly ambiguous, high‑impact initiatives across origination, underwriting, servicing, repayment, partner enablement, and portfolio optimisation
• Identify and evaluate major market opportunities, customer segments, and product bets, and translate them into multi‑quarter roadmaps and clear execution plans
• Partner closely with engineering, design, data, commercial, credit risk, legal, compliance, finance, and operations leaders to align on strategy and deliver outcomes
• Shape product and business trade‑offs across growth, unit economics, customer experience, operational scalability, and risk performance
• Build scalable product frameworks, decision principles, and operating models that enable Airwallex to expand lending across markets and use cases
• Work with external stakeholders such as financial institutions, capital providers, data partners, and regulatory stakeholders where needed to unlock product capability and scale
• Use data, customer insight, and market intelligence to continuously refine strategy and improve business performance
• Mentor other product managers and raise the standard of product craft, strategic thinking, and cross‑functional leadership within the team

Skills

Lending product management

Fintech / regulated domains

Cross-functional leadership

Strategic thinking

Data-driven decision making

Executive stakeholder management

Communication skills

Cross-cultural collaboration

Scalable product frameworks

Embedded lending

First-party lending

Credit risk knowledge

Mentoring PMs

Education

Bachelor’s degree or higher

Job description

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, 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 2,300 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 Product team at Airwallex is a group of passionate builders and problem‑solvers who are obsessed with crafting customer‑centric solutions that empower businesses to operate anywhere, anytime. We combine technical expertise with a deep understanding of our customers’ needs to design and build unified, intuitive, and scalable products. As a team, we thrive in a collaborative and fast‑paced environment, constantly iterating and pushing boundaries to deliver exceptional product experiences.

The Lending team is responsible for building and scaling Airwallex’s credit and lending capabilities across both embedded lending and first‑party lending models. This is a highly strategic space that sits at the centre of customer value creation, commercial growth, and platform differentiation. The team operates with a startup mindset inside Airwallex, tackling complex challenges across product, credit risk, capital, compliance, and go‑to‑market.

What you'll do

As Staff Product Manager, Lending, you will lead some of the company’s most important and complex lending opportunities. You will define strategy across large problem spaces, drive alignment across senior stakeholders, and shape how Airwallex builds differentiated lending products globally.

You will operate with broad scope and high autonomy, balancing long‑term vision with near‑term execution. You will be expected to bring strong commercial judgment, deep customer empathy, and the ability to navigate ambiguity across multiple teams and workstreams. In addition to building products, you will help raise the bar for product thinking, execution quality, and strategic clarity across the wider organisation.

Responsibilities

• Define and drive the product strategy for significant parts of Airwallex’s lending platform, including embedded lending and first‑party lending capabilities
• Lead highly ambiguous, high‑impact initiatives across origination, underwriting, servicing, repayment, partner enablement, and portfolio optimisation
• Identify and evaluate major market opportunities, customer segments, and product bets, and translate them into multi‑quarter roadmaps and clear execution plans
• Partner closely with engineering, design, data, commercial, credit risk, legal, compliance, finance, and operations leaders to align on strategy and deliver outcomes
• Shape product and business trade‑offs across growth, unit economics, customer experience, operational scalability, and risk performance
• Build scalable product frameworks, decision principles, and operating models that enable Airwallex to expand lending across markets and use cases
• Work with external stakeholders such as financial institutions, capital providers, data partners, and regulatory stakeholders where needed to unlock product capability and scale
• Use data, customer insight, and market intelligence to continuously refine strategy and improve business performance
• Mentor other product managers and raise the standard of product craft, strategic thinking, and cross‑functional leadership within the team

Who you are

We’re looking for people who meet the minimum qualifications for this role. The preferred qualifications are great to have, but are not mandatory.

Minimum qualifications

• 8+ years of overall professional experience, including substantial product management experience in fintech, financial services, lending, or other complex regulated domains
• Strong track record of leading large, ambiguous product areas from strategy through execution and measurable business impact
• Deep experience building, scaling, or significantly evolving lending, credit, or embedded finance products
• Strong commercial and analytical judgement, with experience balancing customer needs, business performance, and risk considerations
• Proven ability to influence senior cross‑functional stakeholders and drive alignment without relying on formal authority
• Exceptional communication skills, with the ability to articulate strategy, priorities, and trade‑offs to both executive and working teams
• Ability to thrive in cross‑cultural and cross‑functional teams
• Bachelor’s degree or higher with strong academic achievement

Preferred qualifications

• Experience across both embedded lending and first‑party lending products
• Experience working with credit risk, underwriting models, capital structures, or funding partnerships
• Strong understanding of SME banking, lending regulations, and market structure in one or more global markets
• Experience launching zero‑to‑one products and then scaling them in high‑growth environments
• Background in software engineering, quantitative disciplines, finance, or strategy/consulting
• Experience mentoring PMs or acting as a functional leader across a broader product area

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.