Title

Manager, , Risk Management – Customer Risk Management

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.

Summary

Manager, Europe Customer Risk Management (CRM), reporting to the Europe Regional CRM VP.

Overview

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 & procedures and risk appetite. The role is on the First Line of Defense under the Strategy & Operations organization, with partnership with the Second Line Credit Risk function.

Mastercard has approximately $75B 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 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 – Responsibilities

• Managing credit risk for the assigned portfolio, both on an individual and on a portfolio basis; point of contact for all CRM related matters for the assigned portfolio
• Implementing risk policies and procedures to minimize potential credit losses while supporting business initiatives
• Conducting customer credit risk underwriting analysis and strategy execution of customer risk management, leveraging the understanding of risks and regulations
• Partnering with CRM Center of Excellence to ensure 24x7 customer exposure monitoring and management
• Developing and managing risk processes, including the development of alternative risk mitigation solutions
• Conducting credit considerations in the application process of new customers where needed
• Helping prepare external and internal CRM-related reporting
• Supporting cross-functional initiatives to deliver on risk goals

All About You – Qualifications

• Graduate degree in business, finance, economics or equivalent
• Experience in credit risk assessment and financial statements analysis; experience in / knowledge of the European banking sector and/or payments is a strong plus
• Strong analytical and problem‑solving skills; ability to identify potential sources of risk and provide solutions
• Strong negotiation and influencing skills
• Ability to manage through a crisis and make tough decisions with imperfect/incomplete information
• Excellent written and verbal English communication skills

Corporate Security Responsibility

• 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;
• Complete all periodic mandatory security trainings in accordance with Mastercard’s guidelines.

Seniority Level

Mid‑Senior level

Employment Type

Full‑time

Job Function

Finance and Sales

Industries

Financial Services, IT Services and IT Consulting, and Technology, Information and Internet