Senior Manager, Credit Risk
New
A
AirwallexFinancial services
This role is based in Dallas, Texas and is fully remote.Full-TimeManager
SalaryBase $128K – $210K • Offers Equity • Offers Bonus
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Job Details
- Experience
- 10–15 years of progressively senior experience across credit risk, counterparty risk, FX risk, treasury risk, or related financial risk disciplines
- Required Skills
- PythonSQL
Requirements
- Have 10–15 years of progressively senior experience across credit risk, counterparty risk, FX risk, treasury risk, or related financial risk disciplines.
- Bring experience from banking, payments, fintech, or another highly regulated financial services environment.
- Have deep experience designing, implementing, and governing second-line credit risk frameworks in a complex, multi-jurisdictional organization.
- Understand credit risk identification, measurement, underwriting, limit management, monitoring, mitigation, provisioning, loss recognition, and capital implications.
- Have experience managing risk across multiple product lines, such as merchant acquiring, commercial or charge cards, B2B lending, payment processing, FX, treasury, settlement, or banking-partner activities.
- Have practical experience overseeing FX and counterparty risk, including exposure measurement, concentration risk, limits, settlement risk, prefunding, collateral or other mitigants, and escalation governance.
- Be able to challenge first-line decisions and communicate clear risk positions to senior executives, commercial leaders, product and operations teams, banking partners, auditors, and regulators.
- Preferred: an advanced degree such as an MBA or Master's in Finance, Economics, Risk Management, or a related field.
- Preferred: FRM, PRM, CFA, or an equivalent professional qualification.
- Preferred: experience with automated decisioning engines, credit scoring models, portfolio analytics, or alternative data used in underwriting and monitoring.
- Preferred: familiarity with IFRS 9, expected credit loss methodologies, stress testing, or other relevant prudential and accounting frameworks.
- Preferred: data literacy and familiarity with SQL, Python, or similar tools used to analyze portfolio, exposure, and loss trends.
Responsibilities
- Lead global second-line oversight of credit, FX, and counterparty risk across products and activities.
- Own the global risk framework, risk appetite, limits, governance, and portfolio oversight across products and legal entities.
- Provide independent challenge to first-line decisions and trusted advice to senior leaders.
- Oversee credit exposures and challenge underwriting strategies, customer and merchant risk policies, credit assessments, limit-setting methodologies, exception processes, and mitigation strategies.
- Establish and monitor second-line controls for FX and counterparty exposures, including pre-funding, settlement, customer activity, treasury flows, banking partners, payment partners, merchants, and customers.
- Lead monitoring of portfolio trends and early-warning indicators.
- Support risk committee decisions and material approvals.
- Represent Credit Risk in regulatory examinations, audits, and banking-partner reviews.
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