Senior Data Scientist, Analytics (Lending)

Proudly founded in Melbourne, we have a team of over 2,300 of the brightest and most innovative people in tech across 27 offices around the globe. Valued at US$11 billion and backed by world-leading investors including T. Rowe Price, Visa, Mastercard, Robinhood Ventures, Sequoia, Salesforce Ventures, DST Global, and...

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 ...

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 tha...

As a Credit Risk Analyst - Lending, you will help monitor and optimize the performance of Airwallex’s business lending portfolio through data-driven analysis, portfolio insights, and credit risk strategy support. You will be responsible for translating portfolio and policy questions into analytical frameworks, monitoring approaches, and actionable recommendations that improve credit quality and support sustainable business growth.
Monitor and analyze the performance of existing business lending portfolios, including delinquency trends, early warning indicators, and credit quality metrics
Identify emerging risks within the portfolio and provide actionable insights to mitigate potential losses
Support the assessment and optimization of portfolio-level credit strategies, ensuring alignment with regional credit risk policies
Prepare portfolio reports, risk dashboards, and management summaries to support senior leadership decision-making
Collaborate with Operations and Product teams to ensure consistent application of credit policies and effective risk controls
Participate in periodic portfolio reviews, stress testing, and credit risk assessment exercises
Provide analytical support for regulatory reporting, audits, and internal governance requirements

We're looking for people who meet the minimum qualifications for this role. The preferred qualifications are great to have, but are not mandatory.
3+ years of experience in credit risk analytics, risk strategy, portfolio analytics, or a related quantitative role
Bachelor’s degree or above in Quantitative Finance, Statistics, Computer Science, Business Analytics, Data Science, or a related quantitative discipline
Proficient in SQL and Python, with the ability to translate data into actionable insights
Strong problem-solving skills and experience working with large datasets
Strong attention to detail and the ability to identify discrepancies in data
Experience partnering with cross-functional stakeholders to solve business problems
Hybrid experience of both risk analytics and modelling
Experience in SME lending experience preferred
Hands-on experience in ECL modelling, credit strategy analysis, or credit risk assessment
Experience designing credit policies, decision strategies, or performance monitoring frameworks
Familiarity with stress testing, governance, audit, or regulatory reporting processes