Title: Associate, Credit Risk Operations Location: US - San Francisco Department: Operations 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 200,000 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 2,000 of the brightest and most innovative people in tech across 26 offices around the globe. Valued at US$8 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 Operations team at Airwallex ensures the smooth and efficient functioning of our services and processes. We focus on optimizing workflows, improving operational efficiency, and delivering exceptional customer support. By streamlining operations and implementing best practices, we help drive the company's growth and maintain high service standards. Our team is dedicated to providing a seamless experience for our customers and supporting Airwallex’s mission to empower businesses globally. What you’ll do 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. This hybrid role is based in San Francisco. Responsibilities: - Assess clients’ credibility in both onboarding and monitoring workflows, by verifying and analyzing business information and financial statements. - Manage written-off portfolio to meet individual and team performance targets, through contacting clients to negotiate payment arrangements that will ensure maximum recovery and reduce credit loss. - Research account histories and provide tailored recommendations that mitigate Airwallex’s risk and recommend appropriate remedial actions. - Deliver insights to support key business decisions ranging from onboarding strategies to monitoring and collection workflows. - Proactively identifies issues, irregularities and emerging risks, takes swift action to resolve or timely escalate if necessary - Provide feedback on data, tools, 3rd party vendors etc. for continuous operations efficiency improvement, along with on-going enhancements of policies and procedures. Who you are We're looking for people who meet the minimum requirements for this role. The preferred qualifications are great to have but are not mandatory. Minimum qualifications: - 5 years of relevant experience with knowledge of bad debt collections, credit underwriting and financial statement analysis - Effective communication skills; attention to detail - Be a team player, with strong interpersonal and communication skills, 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 - Be comfortable with complex data and analytics to draw meaningful insights. SQL is preferred for this role - Knowledge of credit card industry is preferred 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.

Develop and document risk-based quality management strategies, provide compliance consultation throughout clinical trials, and ensure effective mitigation of quality issues while collaborating with cross-functional teams to enhance operational plans.

• Develop and implement and monitor adherence with data governance policies, standards, and procedures to ensure data quality, integrity, and security. • Partner with key stakeholders, including the business unit leaders, Product, Data & Technology teams, to develop and implement data governance capabilities and apply data standard processes by eliciting metadata, certifying data, and researching internal systems of record and publicly available data sources and assessing their quality of data. • Partners with Business and Technical Data Stewards to identify, define and maintain data definitions and corresponding metadata across business functions and data domains. • Review and document translation or transformation requirements for sourced data into the data warehouse. • Improve quality of sourced data by conducing data profiling, data quality rule creation, monitoring, root-cause analysis and remediation of data issues. • Maintain the Data catalog with data lineage information (field definition, domain, source system, intermediary and destination system(s), translations, transformation rules, display screens, referenced reports, etc.), Data Stewards and Data Custodian info along with versioning for historic analysis and audit trail. • Ensure consistent delivery of high-quality insights to key stakeholders by completing report certifications and validating dashboards and reports in a timely manner. • Identify internal process improvements for automating manual data governance processes, optimizing metadata collection, re-designing data catalog infrastructure for greater scalability, etc. • Help identify Personally Identifiable Information (PII) data in primary data sources as well as in data architecture, define masking and other data processing rules for special handling of PII data. • Improve the quality of data used for analysis by assessing the accuracy of new data sources and the effectiveness of new data gathering techniques. • Design and develop custom workflows using Groovy scripting to automate data governance processes. • Design and configure metadata models that reflect the organization’s data assets and metadata asset model. • Experience using or helping to implement MDM tools. • Develop training materials, use case documentation, and implementation specifications. • Define Key Performance Indicators (KPIs) and document technical processes to monitor and analyze data governance and data cataloging performance and data accuracy. • Contribute to the team of data professionals by using expertise to answer questions and sharing templates, reusable artifacts with less experienced teammates, enhancing skillsets and competencies of team members, and sharing business domain knowledge throughout the team. • Participate in stakeholder reviews and design sessions. • Leads and/or supports facilitation of working groups, workshops, sessions and training to increase Data Governance Awareness and Data Literacy. • Provide data, reports, and information to management as needed. • Identify, track, and monitor trends and avoidable technology-related errors; work across functions to develop complex solutions, improvements, and stop-gaps. • Focus on the continual improvement of policies, procedures, and processes falling under scope of authority. • Use expertise to resolve high level issues that cannot be solved by teammates. • Stay abreast of latest technology trends and participate in high-level decisions impacting the direction of Information Technology function. • Monitor the data catalog ingestion of data assets and triage issues related to ingestion, lineage or performance. • Drive strong communications, partnerships, and stakeholder management with senior leaders, functional managers and staff. • Perform other duties as assigned.

Our Purpose Mastercard powers economies and empowers people in 200+ countries and territories worldwide. Together with our customers, we're helping build a sustainable economy where everyone can prosper. We support a wide range of digital payments choices, making transactions secure, simple, smart and accessible. Our technology and innovation, partnerships and networks combine to deliver a unique set of products and services that help people, businesses and governments realize their greatest potential. Title and Summary Director, Credit Risk Business Development Our Purpose We work to connect and power an inclusive, digital economy that benefits everyone, everywhere by making transactions safe, simple, smart and accessible. Using secure data and networks, partnerships and passion, our innovations and solutions help individuals, financial institutions, governments and businesses realize their greatest potential. Our decency quotient, or DQ, drives our culture and everything we do inside and outside of our company. We cultivate a culture of inclusion for all employees that respects their individual strengths, views, and experiences. We believe that our differences enable us to be a better team - one that makes better decisions, drives innovation and delivers better business results. Mastercard Advisors team is a key differentiator for Mastercard, providing the cutting-edge services that help our customers grow. Focused on thinking big and scaling fast around the globe, this agile team is responsible for end-to-end solutions for a diverse global customer base. We combine traditional management consulting with our rich data assets and in-house technology to provide our clients with powerful strategic insights and recommendations. Centered on data-driven technologies and innovation, these services include consulting, loyalty and marketing programs, test-and-learn business experimentation, and data-driven information and risk management services. While specializing in the payments industry, Mastercard Data & Services also works closely with major retailers, airlines, and other enterprises, leveraging data and insights garnered from within and beyond its network. Responsibilities: This is a Business Development role within Advisors Incubator team. This role is responsible for driving the next generation analytics agenda for Mastercard Advisors Key Responsibilities Include: • Partner with clients on credit risk use cases, including underwriting, portfolio monitoring, early warning, line management, collections, and risk-based customer strategies • Help shape credit risk analytics propositions by combining traditional bureau and portfolio data with alternative data, advanced modeling techniques, and AI-driven decisioning approaches• Lead conversations with clients on credit risk transformation, including next-best underwriting strategies, portfolio risk optimization, and AI-enabled decisioning• Working with broader MC Advisors sales organization to access client needs and strategic agenda. Use MC Advisors analytical capabilities to differentiate and expand Mastercard business with customers, including new analytics product, new service, new partners, etc.• Leading key regional and local analytics initiatives to grow the Data & Services P&L• Support rest of the sale team on end-to-end sales efforts from research and storyboarding to client presentations and contract signing• Bring in new thought leadership and innovation to establish MC Advisors brand across key customer stakeholders• Work with Delivery teams to ensure successful implementation of analytics projects sold• Achieve sales targets responsibly and ethically, and with customer needs in mind• Build and inculcate relationships to become a trusted advisor to Senior/Executive level clients All About You • Strong Analytical background including latest machine learning, Gen AI methods.• Strong experience with consumer credit modeling, including alternative data models, advanced modeling approaches, etc.• Strong experience in analytics and consultative sales and managing senior client stakeholders.• Ability to develop compelling sales narratives in influencing sales closure. Demonstrated ability to initiate, develop, and close a sale• Excellent verbal and written communication and presentation skills• Consulting experience from a top-rated consulting firm or analytics experience from a leading analytics organization• Highest level of self-motivation with a hunting-attitude• Strong problem solving skills and first principles thinking• Ability to multi-task in a fast-paced, deadline-driven environment #AI Corporate Security Responsibility All Activities Involving Access To Mastercard Assets, Information, And Networks Comes With An Inherent Risk To The Organization And, Therefore, It Is Expected That Every Person Working For, Or On Behalf Of, Mastercard Is Responsible For Information Security And Must:• Abide by Mastercard's security policies and practices;• Ensure the confidentiality and integrity of the information being accessed;• Report any suspected information security violation or breach, and • Complete all periodic mandatory security trainings in accordance with Mastercard's guidelines. Corporate Security Responsibility All activities involving access to Mastercard assets, information, and networks comes with an inherent risk to the organization and, therefore, it is expected that every person working for, or on behalf of, Mastercard is responsible for information security and must: - Abide by Mastercard's security policies and practices; - Ensure the confidentiality and integrity of the information being accessed; - Report any suspected information security violation or breach, and - Complete all periodic mandatory security trainings in accordance with Mastercard's guidelines.