Associate, Credit Risk Operations (Debt Collections)

ABOUT AIRWALLEX Airwallex is the AI-native financial operating system for a real-time, intelligent economy. More than 675,000 businesses, including McLaren Racing, Qantas, SHEIN, and TikTok, use us, directly or through our platform partners, to run their financial operations or build and monetize financial products of their own. We started in Melbourne in 2015 to build the infrastructure global commerce runs on. We're the regulated backbone behind global payments: not by accident, but by design. A decade plus, 85+ licenses, and a financial infrastructure spanning North America, Europe, the Middle East, and Asia-Pacific. We're co-headquartered in San Francisco and Singapore, with more than 2,300 people across 27 offices. We hire builders with founder-level energy, people who move fast with good judgment, dig in with real curiosity, and make calls from first principles rather than waiting to be told what to do. Read our operating principles https://www.airwallex.com/en-us/operating-principles to see it in full.   The Role: As an Associate, Credit Risk Operations, you will be conducting credit risk reviews of Airwallex’s clients within a team environment, with a focus on the ongoing monitoring of clientele and written-off portfolio management. The team works collaboratively with clients, business development teams, risk analysts, compliance and legal departments to support growth objectives while mitigating and managing risk. Responsibilities: 1. Serve as a founding member of the Collections team, driving the architecture of team playbooks, escalation matrices, and recovery strategies as Airwallex scales globally. 2. Partner with Engineering and Product to spec, build, and optimize automated collections systems and interaction logging. 3. Collaborate with Accounting to establish a bad-debt provisioning framework based on portfolio risk, customer communications, and repayment adherence. 4. Directly engage high-risk or delinquent accounts (missed payments, negative balances, credit limit breaches) to negotiate firm, mutually viable repayment structures. 5. Conduct deep-dive investigations into account activity and root-cause risks to design tailored recovery plans. 6. Partner with Commercial and Risk Operations to resolve sensitive cases, protecting revenue while minimizing credit losses. 7. Ensure all collection strategies comply with local and international financial regulations and debt recovery standards. Qualifications: 1. 5+ years of direct experience in B2B debt collection, commercial recovery management, or credit risk operations within fintech, SaaS, or commercial banking. 2. Solid understanding of bad-debt provisioning, credit risk dynamics, and debt collection compliance frameworks. 3. Effective communication and negotiation skills. 4. High proficiency in English, both written and verbal. 5. Be highly curious and thoughtful - a proactive self-starter with a sense of urgency and bias for action, under a fast-paced environment. 6. A results-oriented mindset with strong attention to detail and consistent follow-through. 7. Be comfortable with complex data and analytics to draw meaningful insights. 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 http://airwallex.com email address. Please apply only through careers.airwallex.com http://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.