Credit Risk Manager

Are you ready to trade your job for a journey? Become a FlyMate!

Passion, excitement & global collaboration are all core to what it means to be a FlyMate. At Flywire, we’re on a mission to deliver the world’s most important and complex payments. We use our Flywire Advantage - the combination of our next-gen payments platform, proprietary payment network and vertical specific software, to help our clients get paid, and help their customers pay with ease - no matter where they are in the world.

What more do we need to truly be unstoppable? Perhaps, that is you! 

Who we are: 

Flywire is a global payments enablement and software company, founded more than a decade ago to solve high-stakes, high-value payments in higher education. We’ve since scaled into new regions and industry verticals and expanded our product offerings to deliver meaningful value to our clients around the world. 

Today we support more than 4,900+ clients across the global education, healthcare, travel & B2B industries, with diverse payment methods across 240 countries & territories and more than 140 currencies.

With over 1,200 global FlyMates, representing more than 40 nationalities, and in 12 offices world-wide, we’re looking for FlyMates to join the next stage of our journey as we continue to grow.a

At Flywire, we are hiring our first Credit Risk Manager based in Bangalore or Pune. In this role, you will be a key member of the credit risk team, leading the tactical execution of credit policies, managing a portfolio of accounts, and leveraging data-driven insights to safeguard the company’s financial health.

We are seeking a versatile professional who can analyze complex financial statements in depth, partner with Analytics on model automation initiatives, and effectively manage case queues—while balancing multiple priorities in a dynamic environment.

What You’ll Do:

• Execute the Strategy: Implement and refine the global credit risk framework across our key verticals (Education, Healthcare, Travel, and B2B), ensuring localized and vertical nuances are captured and addressed.
• Lead the Underwriting Engine: Manage the end-to-end credit assessment process for new and existing clients. You will be the final touchpoint for complex deals, ensuring deep due diligence and a balanced approach to risk and growth.
• Advanced Analytics & Modeling: Be a "hands-on" contributor to our risk infrastructure. You will leverage SQL and Python to analyze payment trends, validate credit scoring models, and improve the accuracy of our risk decisioning.
• Continuous Account Monitoring: Own the lifecycle of the merchant relationship. You will architect and manage real-time account monitoring protocols, tracking processing and settlement patterns and financial health markers to ensure our exposure remains within appetite.
• Portfolio Health & Early Warning: Actively monitor the global portfolio for early warning signals of deteriorating credit. When a signal is triggered, you will lead the immediate investigation and propose remediation or collateralization strategies.

Here's what we are looking for:

• The Experienced Analyst: You bring a deep understanding of credit risk, specifically within Payments, Fintech, or Banking. You understand merchant credit, settlement risk, and the complexities of global fund flows.
• Educational & Professional Foundation: * A Master’s Degree in Engineering, Economics, or a related quantitative field with 5+ years of relevant experience.
• OR a Bachelor’s Degree with 8+ years of relevant experience in a credit risk or underwriting leadership role.
• Technically Proficient: You are highly proficient with data. You have advanced skills in SQL or Python and are comfortable using BI tools (Tableau, Looker) to visualize portfolio risk.
• The Decision Maker: You are comfortable making high-stakes decisions in a fast-paced environment.
• Collaborative Communicator: You can translate complex credit concepts into actionable insights for Sales and Product teams, acting as a key partner.

What We Offer:

• Competitive compensation
• Employee Stock Purchase Plan (ESPP)
• Flying Start - Our immersive Global Induction Program (Meet our Execs & Global Teams)
• Work with brilliant people that will keep you on your toes, learn more about their journeys by checking out #InsideFlywire on social media
• Dynamic & Global Team (we have been collaborating virtually for years!)
• Wellbeing Programs (Mental Health, Wellness, Yoga/Pilates/HIIT Classes) with Global FlyMates
• Be a meaningful part in our success - every FlyMate makes an impact
• Competitive time off including FlyBetter Days to volunteer in a cause you believe in and
• Digital Disconnect Days!
• Great Talent & Development Programs (Managers Taking Flight – for new or aspiring managers!)

Submit today and get started!

We are excited to get to know you! Throughout our process you can expect to meet with different FlyMates including the Hiring Manager, Peers on the team, the VP of the department, and a skills assessment. Your Talent Acquisition Partner will walk you through the steps and be your “go-to” person for any questions.

Flywire is an equal opportunity employer. With over 40 nationalities across 14 different offices diversity, gender equality, and inclusion are at the core of our people agenda. We believe our FlyMates are our greatest asset, and we’re excited to watch our unique culture evolve with each new hire.

#LI-Hybrid