Manager, Customer Risk Management

at  MasterCard

Our Purpose
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
The primary responsibility of the Manager, Risk Management is to provide support to the Mastercard Customer Risk Management (CRM) team, including its risk managers and senior leaders to help manage Mastercard’s CRM function globally by supervising the CRM Center of Excellence - A team of analysts that supports CRM in monitoring customer risk exposures 24/7, preparing customer commercial underwriting analysis and being responsible for a variety of reports, KPIs and overall support.
Mastercard has approximately $77B in credit exposure to financial institutions and other counterparties worldwide, placing the CRM’s 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 provides great opportunities to learn and grow your career within Mastercard.
Role

The primary responsibility is to support the CRM team to ensure customer risk is appropriately assessed, managed, and mitigated in accordance with Mastercard’s policies & procedures and risk appetite framework. This includes, but is not limited to:

• Directly manage a team of credit risk resources with different timetables.
• Organize the workload of underwriting and monitoring analysts to ensure 365/24/7 coverage.
• Help direct reports to effectively prioritize workload.
• Project manage/coordinate with relevant teams on process and system improvements related to CEM (Customer Exposure Management), CRMS (Customer Risk Management System) or advanced analytics.
• Act as first point of escalations for CEM related matters in case of analyst’s unavailability.
• Responsible for SOP (Standard Operating Procedures) maintenance for both underwriting and monitoring.
• Act as a CRM point of contact for the managed team in interfacing with risk managers and senior management.
• Support cross-functional initiatives to deliver on risk goals, policies and procedures requiring credit risk data analytics inputs.
• Participate in various process improvement initiatives and sharing best practices.
• Propose Policy and Procedures updates to Director, Risk Management and remaining team based on feedback collected by analysts under supervision on CEM and Underwriting practices.
• Periodically assist in reporting to CRM Leadership on (i) Deferred Delivery Merchants risk (ii) open risk/underwritings and (iii) CRM KPIs.
• Seek opportunities and take an active role in automating/improving the working practices of the CRM talent pool under direct supervision.

The role will require effective team management skills, a good understanding of Mastercard’s business model, systems and tools and usage of various data sources relevant for the customer risk management function.

All About You

• Postgraduate degree in business, economics, econometrics or equivalent.
• Experienced people leader.
• Experience in credit risk assessment and financial statements analysis; experience in / knowledge of the banking sector are a strong plus.
• Accuracy, self-drive, accountability and sense of urgency.
• Outstanding written and verbal English communication skills.
• Advanced Excel, Word, and PowerPoint user.
• Positive attitude, strong work-ethic, and good sense of humor.

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.

• 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