Manager - Customer Risk Management

We work to connect and power an inclusive, digital economy that benefits everyone, everywhere by making transactions safe, simple, smart and accessible. Using secure data and networks, partnerships and passion, our innovations and solutions help individuals, financial institutions, governments and businesses realize their greatest potential. Our decency quotient, or DQ, drives our culture and everything we do inside and outside of our company. We cultivate a culture of inclusion for all employees that respects their individual strengths, views, and experiences. We believe that our differences enable us to be a better team – one that makes better decisions, drives innovation and delivers better business results.

Title and Summary

Manager - Customer Risk Management Overview

We are currently looking for a Manager, Latin America and Caribbean (LAC) Customer Risk Management (CRM), based in São Paulo, Brazil and reporting to the Americas Regional Treasurer.

The primary responsibility of the Manager is to ensure counterparty/credit customer risk is appropriately identified, monitored and managed in accordance with the applicable Mastercard policies and procedures, specifically the CRM Procedures of the Treasury Activity Policy (TAP). The role also involves partnering with our Corporate Treasury CP&A/Central Team and Settlement Operations teams to assist with any CRM data validation or CRM system testing related to Customer Exposure Monitoring (CEM) improvements.

Mastercard has approximately $55B in credit exposure to financial institutions and other counterparties worldwide, placing the CRM role as a key part of its evolving and quickly growing business model. The magnitude and strategic nature of this exposure necessitates periodic engagement with senior management, Mastercard’s sales, franchise, and product organizations as well as our customers (issuers, acquirers, etc.). This role provides great opportunities to learn and grow your career within Mastercard.

Role

The primary responsibility is to ensure counterparty customer risk for assigned markets is appropriately identified, assessed, managed and mitigated in accordance with Mastercard’s policies & procedures and risk appetite framework. This includes, but is not limited to:

1. Act as the point of contact for all CRM-related matters
2. Implement risk policies and procedures to minimize potential credit losses and drive the credit management infrastructure and proper controls while supporting business initiatives
3. Manage credit risk for the assigned regional portfolio, both on an individual and on a portfolio basis
4. Provide data analysis and strategy execution of customer risk management, leveraging the understanding of risks and regulations in the different countries
5. Develop and manage risk processes, including identifying and implementing best practices, which may include the development of alternative risk mitigation solutions, and ensuring that all processes are documented, reviewed and regularly updated
6. Coordinate applications processes of new customers (from CRM perspective) to ensure timely onboarding
7. Help prepare external and internal CRM-related reporting (SEC filing, audit committee, ad-hoc reporting)
8. Support cross-functional initiatives to deliver on risk goals, policies and procedures requiring credit risk data analytics inputs
9. Participate in various process improvement initiatives and sharing of best practices

The role will require detailed knowledge and experience of traditional credit analysis/underwriting as well as an understanding of Mastercard's business model, systems and tools and usage of various data sources relevant for the customer risk management function. This position will be based in São Paulo, Brazil, but support the entire LAC region.

All About You

1. Graduate degree in business, economic, econometric or equivalent, postgraduate degree preferred
2. Proven Experience in credit risk assessment and financial statements analysis; experience in / knowledge of the banking sector in Latin American countries are a strong plus
3. Outstanding written and verbal fluency in English as well in Portuguese and/or Spanish is a must
4. Negotiating and influencing skills; crisis-management skills and ability to make difficult recommendations based on imperfect information
5. Accuracy, self-drive, accountability and sense of urgency
6. Advanced Excel, Word and PowerPoint user
7. Positive attitude, strong work ethic and good sense of humor.

All About Us
MasterCard is a technology company in the global payments business. We connect consumers, financial institutions, merchants, governments and businesses worldwide and enable them to use secure and convenient electronic forms of payment.

Join the industry’s most passionate, motivated & engaged global team - Our employees are encouraged to drive innovation every day in support of a more connected world – A World Beyond Cash.

Corporate Security Responsibility

All activities involving access to Mastercard assets, information, and networks comes with an inherent risk to the organization and, therefore, it is expected that every person working for, or on behalf of, Mastercard is responsible for information security and must:

• Abide by Mastercard’s security policies and practices;
• Ensure the confidentiality and integrity of the information being accessed;
• Report any suspected information security violation or breach, and
• Complete all periodic mandatory security trainings in accordance with Mastercard’s guidelines.

About the company

Transforming the way we live Electronic payments have the ability to create a world with greater opportunities for all. To take us beyond borders, to new markets. Beyond mere moments, to meaningful experiences. That's the power of a World Beyond Cash. And that's Priceless.