Senior Analyst, Merchant Risk Operations

Airwallex • San Francisco, CA

3d • Onsite

About The Position

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 We are looking for a High-Agency Senior Analyst to join our Merchant Risk Operations team. This is not a traditional "reviewer" role; we are looking for a builder-operator. You will be responsible for the "grind"—the daily execution of complex merchant risk reviews—but you will use that experience to identify bottlenecks and build the systems, queries, and dashboards to eliminate them. The ideal candidate is someone who doesn't wait for a manual to be written; they write the manual. You are technically self-sufficient, quantitatively rigorous, and possess a bias for action that allows you to unblock yourself and our Sales partners. This role is based in San Francisco.

Requirements

• 3+ years of experience in Merchant Risk, Fraud, or Credit Risk within Fintech or Payments.
• Proficiency in SQL: You must be comfortable writing queries to join tables and extract insights independently.
• Technical Resourcefulness: Experience building data visualizations and dashboards (e.g., Looker, Tableau, Sigma).
• Risk Expertise: Strong understanding of credit risk evaluation methodologies, including industry verticals, business models, and financial statement analysis.
• Communication: Ability to clearly explain complex risk decisions and policies to both internal stakeholders and external customers.

Nice To Haves

• Experience in a high-growth, fast-paced startup environment.
• Knowledge of payment acquiring products, card network rules, and local payment methods.
• Experience working with Engineering/Product teams to build internal risk tools.

Responsibilities

• High-Volume Execution: Own the end-to-end risk lifecycle for complex merchants. You will conduct holistic fraud and credit risk assessments, determine exposure methodologies, and manage daily case queues with high efficiency and precision.
• Quantitative Self-Sufficiency: You will write your own SQL queries to extract data, perform root-cause analysis on chargeback spikes, and identify emerging fraud trends.
• Build & Visualize: Design and maintain real-time risk dashboards (Looker, Tableau, etc.) to monitor portfolio health and provide visibility to stakeholders.
• Strategic Risk Partnership: Act as a consultative partner to the Commercial team and other key stakeholders. You don't just provide "yes/no" answers; you clearly communicate the "why" behind risk decisions. You are responsible for educating commercial stakeholders on specific merchant exposures, whether they be credit, fraud, or regulatory, and ensuring they understand the trade-offs and risks. Your mission is to protect the business by providing transparent, data-backed rationales that align growth with our risk appetite.
• Process Iteration: Systematically identify "toil" in our current workflows. You will proactively streamline onboarding programs and collaborate with Engineering to automate manual steps, turning insights from your daily case reviews into scalable policy changes.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: No Education Listed