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 a decade ago to solve high-stakes, high-value payments in education, using modern technology.
Today, we’ve digitized payments for more than 3,300+ global clients across education, healthcare, travel & B2B, covering more than 240 countries and territories and supporting over 140 currencies. And, we’re just getting started!
With over 1000+ global FlyMates, representing more than 40 nationalities, and in 14 offices world-wide, we’re looking for FlyMates to join the next stage of our journey as we continue to grow.
What You’ll Do:
Flywire is seeking a strategic and hands-on Head of Credit Risk to build and lead our global credit risk function. This leader will be responsible for developing and executing the company’s credit risk management strategy across a broad spectrum of counterparties—including clients, banking partners, and other critical vendors. The ideal candidate brings strong risk judgment, leadership experience, and a proven ability to influence cross-functional teams while scaling credit processes that protect the company from financial loss and reputational harm, protecting the company’s financial resilience while enabling responsible growth across markets and business lines.
Key Responsibilities
Client Credit Risk
Own and refine the credit policy framework for onboarding and ongoing monitoring of clients, ensuring consistent and scalable risk practices
Assess creditworthiness of clients using financial analysis, payment trends, sector data, and behavioral insights
Design and oversee automated and manual credit limits, payment terms, and exception processes
Partner with Sales, Finance, and Legal to structure deals that appropriately balance risk and growth
Monitor concentration risk and exposure by geography, segment, or industry vertical
Establish early warning indicators and proactively manage deteriorating credit situations
Banking Partner & Vendor Credit Risk
Lead the credit risk assessment process for current and prospective banking partners, payout processors, FX providers, and other critical vendors
Collaborate with Treasury and Compliance to evaluate financial health, operational performance, and counterparty default risk
Develop a tiered monitoring approach based on materiality and interdependency of vendor relationships
Support contingency planning by flagging systemic exposures and coordinating with BCP/DR teams as needed
Policy, Governance, and Reporting
Act as key voice in Enterprise Risk Committee and senior management risk forums
Define credit risk appetite and tolerance thresholds in coordination with executive leadership
Identify KPI’s and build reporting infrastructure related to the above responsibilities
Deliver regular reporting to executives and the Board on liquidity risk and portfolio credit risk KPIs, concentrations, emerging trends, mitigations
Ensure compliance with internal controls, external audit expectations, and applicable global/local financial regulations
Liquidity & Economic Risk Management
Ensure Flywire’s balance sheet is fortified for micro and macro economic impacts; help define and manage interest rate and other financial risks on the balance sheet; recommend and execute strategies to manage such risks
Manage statement of cash flows and balance sheet forecasting infrastructure
Quantify impact of business strategies, M&A, and shareholder return, and other corporate actions on long term liquidity, financing needs, and credit ratings implications
Advise management on optimal capital structure and capital allocation strategies and related financing options
Maintain rating agency relationships through internal rating modeling and agency communications
Leadership & Systems
Build and lead a high-performing Credit Risk team, providing coaching, direction, and performance management; foster a culture of accountability, innovation and continuous improvement
Evaluate and implement tools for credit scoring, monitoring, and risk data visualization
Partner with Product and Engineering teams to embed credit decisioning into platform workflows
Foster a risk-aware culture while enabling business innovation and velocity
Serve as a trusted advisor to Flywire’s leadership team on risk-related matters.
Key
15+ years of experience in Credit Risk and Corporate Finance, with at least 5 in a leadership capacity
Deep understanding of credit risk management, financial statement analysis, and commercial deal structuring
Expert in building and running complex financial models
Experience with fintech, payments, financial institutions, or marketplaces strongly preferred
Track record of managing credit exposure across client, banking, and partner/vendor relationships
Proven ability to influence senior stakeholders and drive cross-functional alignment
Excellent communication, strategic thinking, and risk judgment skills
CFA, FRM a plus
What We Offer:
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 30 nationalities across 12 different offices, and diversity and inclusion 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.
Flywire is an equal opportunity employer.
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