Credit Risk Management Senior Analyst

Mastercard; São Paulo; Presencial; BRL 150.000 - 200.000; Tempo integral

Resumo da oferta

A leading financial services organization is seeking a Senior Analyst for its Customer Risk Management team in São Paulo. This role involves identifying and managing customer credit risk while implementing risk policies to minimize losses. The ideal candidate will have a graduate degree in business or economics, experience in credit risk evaluation, and fluency in both English and Portuguese. Join Mastercard to advance your career in a dynamic environment with ample growth opportunities.

Qualificações

• 5+ years of experience in credit risk assessment and financial statements analysis.
• Experience in the banking sector is a plus.
• Working knowledge of Spanish is a plus.

Responsabilidades

• Ensure appropriate identification, assessment, management, and mitigation of customer risk.
• Implement risk policies and procedures to minimize credit losses.
• Manage credit risk for the assigned regional portfolio.

Conhecimentos

Credit risk assessment

Financial statements analysis

Written fluency in English

Verbal fluency in Portuguese

Negotiating and influencing skills

Crisis-management skills

Advanced Excel

Advanced Word

Advanced PowerPoint

Formação académica

Graduate degree in business, economics, or equivalent

Postgraduate degree preferred

Descrição da oferta de emprego

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

Credit Risk Management Senior Analyst

Overview

We are currently looking for a Senior Analyst, Americas, Customer Risk Management (CRM), based in São Paulo, Brazil and reporting to the Americas Regional CRM VP.

The primary responsibility of the Analyst is to actively participate and perform most actions related to counterparty / credit customer risk identification, monitoring and management in accordance with the applicable Mastercard policies and procedures, specifically the CRM Procedures of the Credit Risk Policy.

The role also involves partnering with our Central Team CRM team to assist with any CRM data validation or CRM system testing related to Customer Exposure Monitoring (CEM) improvements.

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 periodic engagement with Account Managers, Mastercard's Franchise team, and product organizations as well as our customers (issuers, acquirers, etc.).

This role provides great opportunities to learn and grow your career within Mastercard.

Responsibilities

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.

• Act as the first point of contact for all customer-specific CRM-related matters
• Implement risk policies and procedures to minimize potential credit losses and follow the established controls while supporting business initiatives
• Manage credit risk for the assigned regional portfolio, both on an individual and on a portfolio basis
• Provide data analysis and strategy execution of customer risk management, leveraging the understanding of risks and regulations in the different countries - Support the development and improvement of risk processes, including of alternative risk mitigation solutions
• Help prepare external and internal CRM-related reporting (SEC filing, audit committee, ad hoc reporting)
• Participate in 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 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.

Qualifications

• Graduate degree in business, economic, econometric or equivalent, postgraduate degree preferred
• Experience in credit risk assessment and financial statements analysis; experience in / knowledge of the banking sector in the assigned region are a strong plus
• Outstanding written and verbal fluency in English in addition to Portuguese.
• Working knowledge of Spanish is a plus.
• Negotiating and influencing skills; crisis‑management skills and ability to make difficult recommendations based on imperfect information.
• Accuracy, self‑drive, accountability and sense of urgency.
• Advanced Excel, Word and PowerPoint user.
• Positive attitude, strong work ethic and good sense of humor.
• Corporate Security Responsibility.

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.