Description
As an Associate, Credit Risk Operations, you will conduct credit risk reviews of Airwallex's clients within a team environment, focusing on 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:
- Serve as a founding member of the Collections team, driving the architecture of team playbooks, escalation matrices, and recovery strategies as Airwallex scales globally.
- Partner with Engineering and Product to spec, build, and optimize automated collections systems and interaction logging.
- Collaborate with Accounting to establish a bad-debt provisioning framework based on portfolio risk, customer communications, and repayment adherence.
- Directly engage high-risk or delinquent accounts to negotiate firm, mutually viable repayment structures.
- Conduct deep-dive investigations into account activity and root-cause risks to design tailored recovery plans.
- Partner with Commercial and Risk Operations to resolve sensitive cases, protecting revenue while minimizing credit losses.
- Ensure all collection strategies comply with local and international financial regulations and debt recovery standards.
Qualifications:
- 5+ years of direct experience in B2B debt collection, commercial recovery management, or credit risk operations within fintech, SaaS, or commercial banking.
- Solid understanding of bad-debt provisioning, credit risk dynamics, and debt collection compliance frameworks.
- Effective communication and negotiation skills.
- High proficiency in English, 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.
- A results-oriented mindset with strong attention to detail and consistent follow-through.
- Be comfortable with complex data and analytics to draw meaningful insights.