Product Director, Credit and Lending

About AirwallexAirwallex is the only unified payments and financial platform for global businesses. Powered by our unique combination of proprietary infrastructure and software, we empower over 100,000 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 1,500 of the brightest and most innovative people in tech located across more than 20 offices across the globe. Valued at US$5.6 billion and backed by world-leading investors including Sequoia, Lone Pine, Greenoaks, DST Global, Salesforce Ventures and Mastercard, 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.Product org descriptionThe product organization is at the core of Airwallex, bringing together commercial strategy, engineering, design, and financial compliance to deliver Airwallex’s product suite to our global customers. Our customers range from SMEs that use our suite of Financial OS solutions to manage global payments to enterprise-scale partners who have built businesses on top of our platform and infrastructure. Our Product organization is guided by our Operating Principles, with craftsmanship, obsessive curiosity and customer mindset at our core in creating world-class products. We operate globally with determination and optimism with the conviction that what we are building is making a positive impact in the world. Our Product team are creative and dynamic problem solvers who dive into new challenges daily and can communicate across all levels of the organization.Additional role description We are looking for a highly skilled and visionary Product General Manager to lead the development and expansion of our Credit and Lending business from the ground up. Reporting to the Global Head of Product, this role will involve building a team dedicated to lending and credit, taking full ownership of the product’s P&L, and driving both embedded lending / lending-as-a-service and first-party lending products. The ideal candidate will possess a deep understanding of the financial services industry, exceptional leadership skills, and a proven track record of launching and managing profitable lending businesses in both the embedded and first party spaces.Responsibilities Develop and execute a comprehensive strategy for both embedded lending / Lending-as-a -Service and first-party lending products.Create and implement business plans to establish and scale the lending and credit product line, aligning with Airwallex’s strategic goals and market opportunities.Take full ownership of the P&L, set financial targets, manage budgets, and drive the growth of the lending and credit business at Airwallex.Partner with global commercial teams and key customers to  ensure the business both understands critical customer problems to solve, and which segments to serve.Establish and nurture strong relationships with key external stakeholders, including banks, NBFCs (Non-Banking Financial Companies) & other financial institutions, credit bureaus, and regulatory bodies to ensure key partners are able to scale and support the growth of the business.Collaborate closely with the credit risk team to develop and implement credit risk policies that align with lending business goals and strategies, along with managing risks across the businessMaintain a detailed understanding of the SME banking and embedded lending sectors, including current market structures, regulatory requirements, and emerging issues.Build, lead, and mentor a high-performing cross-functional team focused on lending and credit products, including recruiting top talent.Requirements 10+ years of overall professional experience 4+ years of formal people management experienceExperience in a fintech company or professional services firm with financial services ownershipEvidence of exemplary academic achievements (e.g. high GPA, Dean’s list, scholarship etc.) Proven track record of successfully building, scaling, and managing lending products, with demonstrated P&L ownership and financial acumen.Deep expertise in embedded lending solutions and first-party lending products, with a strong understanding of industry regulations and compliance requirements.Strong strategic thinking and analytical skills, with a history of making data-driven decisions and driving product innovation.Experience sourcing, negotiating, and securing capital and credit facilities to support business growth.Proven leadership and team-building capabilities, with experience in developing and managing high-performing teams.Excellent financial management skills, with the ability to oversee budgets, forecast performance, and drive profitability.Outstanding communication and interpersonal skills, with the ability to effectively engage and influence stakeholders at all levels.Ability to thrive in cross-cultural and cross-functional teamsAdditional Requirements Bachelor’s Degree in Engineering, Computer Science, or another STEM discipline is preferredSolid technical understanding and ability to engage in architectural discussions with engineering teams​​Experience in any of the following is a plus: hyper growth startup environments, software engineering, financial technologyWorking experiences with enterprise customers is preferredEqual opportunityAirwallex 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.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.Compensation Range: SGD 330K - SGD 350KLocationSG - Singapore, CN - Shanghai, US - San FranciscoTypeFull timeDepartmentProductCompensationSGD 330K – SGD 350K • 7% – 10% • Offers BonusAirwallex promotes fair compensation practices in accordance with applicable federal, state, and local law.These expected base pay ranges are based on information at the time this post was generated and represent the company’s good faith minimum and maximum ranges for this role at the time of posting. The actual compensation offered to a candidate will be dependent upon multiple factors, including but not limited to relevant experience, skills and other qualifications, geographic location as noted, internal equity, and other external market factors.Certain roles may be eligible for other compensation including, but not limited to, annual bonuses, commissions, RSUs, or other forms of compensation in addition to the established salary range.Benefits may vary depending on the nature of employment and work location. US-based employees are eligible to participate in medical, dental, and vision insurance, a 401(k) plan, short-term and long-term disability, basic life insurance, and well-being benefits. US-based employees also receive 20 paid days of vacation and 12 paid days of company holidays in a calendar year.Further details about our compensation and benefits package are available upon request by contacting our Talent Acquisition team.