## Associate/Manager, Credit Risk Operations (Lending) at Airwallex - Singapore Are you a detail-oriented and analytical individual with a passion for credit risk management and the fintech industry? Airwallex is seeking an Associate/Manager to join our Credit Risk Operations team in Singapore. In this role, you will play a crucial part in assessing merchant credibility, mitigating risk, and supporting the growth of our global payments and financial platform. You will collaborate with various teams, including business development, transaction risk analysis, compliance, and legal, to ensure that our operations align with our risk management objectives. ### Role Overview As an Associate/Manager in Credit Risk Operations, you will be responsible for conducting thorough credit risk reviews of Airwallex's clients. This involves verifying and analyzing merchant business information and financial statements to assess their credibility and potential risk. You will provide tailored credit risk recommendations that balance risk mitigation with facilitating partner company growth. Your insights will support key business decisions, from onboarding strategies to pricing analysis and product launches. You will also lead process improvements to enhance team efficiency and ensure that we meet our key performance indicators (KPIs) and service level agreements (SLAs). ### A Day in the Life Here's a glimpse into a typical day as an Associate/Manager, Credit Risk Operations: * **Morning:** Start your day by reviewing incoming merchant applications, ensuring their accuracy and integrity. You'll interpret the information to ensure it is concise, exact, and compliant with our policies. * **Mid-day:** Analyze financial statements and business information to assess the creditworthiness of potential and existing merchants. You'll use your expertise in commercial credit underwriting and cash flow forecasting to identify potential risks. * **Afternoon:** Collaborate with the business development team to provide credit risk recommendations that support their growth objectives. You'll also work with transaction risk analysts to identify and mitigate potential fraud risks. * **Ongoing:** Participate in process improvement initiatives to enhance the efficiency of the Credit Risk Operations team. You'll provide feedback on data, tools, and vendors to improve our operations continually. ### Why Singapore? Singapore is a global financial hub and a strategic location for Airwallex's operations. As a hub, Singapore offers several advantages: * **Proximity to Key Markets:** Singapore's central location in Southeast Asia provides easy access to key markets in the region, allowing Airwallex to serve its clients more effectively. * **Talent Pool:** Singapore has a highly skilled and educated workforce, making it an ideal location to attract top talent in the fintech industry. * **Regulatory Environment:** Singapore has a supportive and progressive regulatory environment that encourages innovation in the financial services sector. * **Infrastructure:** Singapore boasts a world-class infrastructure, including excellent transportation, communication, and technology infrastructure, which supports Airwallex's operations. ### Career Path At Airwallex, we are committed to providing our employees with opportunities for growth and development. As an Associate/Manager in Credit Risk Operations, you can expect a clear career path with opportunities to advance to senior roles within the Credit Risk or broader Risk Management functions. We also offer training and development programs to help you expand your skills and knowledge. Potential career paths may include: * **Senior Credit Risk Manager:** Lead a team of credit risk analysts and manage a portfolio of high-risk merchants. * **Credit Risk Director:** Oversee the credit risk operations for a specific region or product line. * **Head of Risk Management:** Develop and implement the company's overall risk management strategy. ### Salary and Benefits The salary for this position is competitive and commensurate with experience. We also offer a comprehensive benefits package that includes: * Competitive base salary * Performance-based bonuses * Health, dental, and vision insurance * Paid time off * Employee stock options * Retirement plan *Note: Actual salary ranges may vary based on experience and qualifications.* The estimated salary range for this role in Singapore is $80,000 - $150,000 USD. ### Airwallex Culture At Airwallex, we are building the financial infrastructure to empower businesses to grow without borders. We value innovation, collaboration, and a commitment to excellence. We foster a culture where employees are encouraged to take ownership, challenge the status quo, and make a real impact. We are looking for individuals who are passionate about solving complex problems and building the future of global finance. We are a diverse and inclusive team, and we welcome applications from individuals of all backgrounds. We are committed to creating a work environment where everyone feels valued, respected, and empowered to succeed. ### How to Apply If you are interested in joining our Credit Risk Operations team, we encourage you to apply online. Please submit your resume and a cover letter highlighting your relevant experience and qualifications. We look forward to hearing from you! ### Frequently Asked Questions (FAQ) 1. **What is Airwallex?** Airwallex is a global payments and financial platform for modern businesses, offering solutions for cross-border payments, multi-currency accounts, and more. 2. **What does the Credit Risk Operations team do?** The Credit Risk Operations team assesses the creditworthiness of merchants, mitigates risk, and supports the growth of Airwallex's business. 3. **What qualifications are required for this role?** We are looking for candidates with 5+ years of experience in commercial credit underwriting, financial statement analysis, and cash flow forecasting. Knowledge of merchant acquiring and the payment processing industry is also essential. 4. **What skills are important for success in this role?** Key skills include strong analytical and problem-solving skills, excellent communication and interpersonal skills, and the ability to work effectively in a team environment. 5. **What is the career path for this role?** Potential career paths include Senior Credit Risk Manager, Credit Risk Director, and Head of Risk Management. 6. **What is the company culture like at Airwallex?** Airwallex fosters a culture of innovation, collaboration, and a commitment to excellence. We value diversity and inclusion and provide opportunities for growth and development. 7. **What are the benefits of working at Airwallex?** Airwallex offers a competitive salary and benefits package, including health insurance, paid time off, employee stock options, and a retirement plan. 8. **What is the interview process like?** The interview process typically involves a phone screening, followed by interviews with members of the Credit Risk Operations team and hiring manager. A case study or technical assessment may also be required. 9. **What opportunities for professional development does Airwallex offer?** Airwallex offers a variety of training and development programs to help employees expand their skills and knowledge. We also encourage employees to attend industry conferences and workshops. 10. **How does Airwallex support work-life balance?** Airwallex offers flexible working arrangements and a generous paid time off policy to support work-life balance.