Customer Risk Management Director job opportunity at MasterCard.



DatePosted 2 Days Ago bot
MasterCard Customer Risk Management Director
Experience: General
Pattern: full-time
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loacation Sao Paulo, Brazil, Brazil
loacation Sao Paulo, Bra..........Brazil

Our Purpose Mastercard powers economies and empowers people in 200+ countries and territories worldwide. Together with our customers, we’re helping build a sustainable economy where everyone can prosper. We support a wide range of digital payments choices, making transactions secure, simple, smart and accessible. Our technology and innovation, partnerships and networks combine to deliver a unique set of products and services that help people, businesses and governments realize their greatest potential. Title and Summary Customer Risk Management Director Who is Mastercard? Mastercard is a global technology company in the payments industry. Our mission is 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. With connections across more than 210 countries and territories, we are building a sustainable world that unlocks priceless possibilities for all. Overview We are currently looking for a Director, reporting to the VP of Customer Risk Management (CRM) for the Americas. The role is based in São Paulo, Brazil and will have an initial focus on Brazil. Mastercard has close to $90B credit exposure to its customers and other counterparties worldwide, placing the CRM role as a key part of its evolving and quickly growing business model. The CRM team operates as a vital component of the broader Strategy & Operations organization, playing a critical role in supporting and driving Mastercard’s success. The magnitude and strategic nature of this exposure necessitates engagement with senior management, Mastercard’s sales and product organizations as well as our customers. This further provides great opportunities to grow your career within Mastercard. This role is on the first line of defense, with key responsibilities including CRM strategy and roadmap for the assigned portfolio, customer credit analysis and underwriting, formulating risk mitigation approach, developing risk management solutions for new products, and engaging regulators within the region. Role The primary responsibility is to ensure customer risk is appropriately identified, monitored, and managed in accordance with Mastercard’s policies & procedures and risk appetite. This includes, but is not limited to: • Owning all CRM related matters for the assigned portfolio and directing the small team of Managers/Analysts in some of the required actions with appropriate prioritization • Performing and/or reviewing customer credit risk underwriting analysis, formulating recommendations, and presenting the same to senior management for approval • Leading the development and negotiations of risk militants for customers with the account managers and customers • Understanding and partnering to design innovative approaches to cater to customers with different business models • Developing new risk management solutions for new products, e.g., crypto • Leading complex cross-functional CRM initiatives • Working with Credit Risk (second line of defense) on Credit Policy and Standards; developing CRM procedures • Building successful relationships with sales and product organizations with strong business acumen • Participating in the onboarding process of new customers where needed • Managing through impacts of customer failures including portfolio transfers and license termination • Conducting portfolio reviews and risk screening via early warning indicators • Analyzing and reporting on the region’s exposure and key risks to senior management • Partnering with CRM Center of Excellence to ensure 24x7 customer exposure monitoring and management • Working closely with Regulatory Affairs in engaging with regulators • Partnering with Corporate Treasury and Settlement Operations to enhance settlement & treasury related processes All About You • Graduate degree in business or equivalent • Experience in credit risk assessment, financial statements analysis and management is a prerequisite; experience in / knowledge of the banking sector and knowledge of the payments regulation and landscape in Brazil is a requirement and in other countries in the Latin America and the Caribbean is a strong plus • Proven experience in the Brazilian market in managing credit and liquidity risk, including in evaluating different types of receivables and collateral • Commercial mindset to drive appropriate balance between risk and reward • Ability to think outside the box and identify potential sources of risk and provide solutions, strong analytical and problem-solving skills • Strong negotiation and influencing skills, including at the very senior management levels • Ability to lead a high-performing and diverse team, ability to lead cross-functionally • Ability to manage through a crisis, leading a team to make tough decisions with imperfect/incomplete information • Excellent written and verbal communication skills in English and Portuguese is a must. Spanish is a plus 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.

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