Manager, Product Management - Access to Capital & Credit Risk

Mastercard; Bray (OK); On-site; USD 120,000 - 170,000; Full time

Job summary

Mastercard Credit Intelligence is advancing access to capital and credit risk solutions for financial institutions, expanding responsible lending and SME financing. The Access to Capital (A2C) team unites issuers, capital providers, technology partners, and Mastercard capabilities to deliver scalable lending opportunities.

We collaborate with Sales, Advisors, and Product Management to shape opportunities, develop business cases, and pilot-to-commercialize new lending programs across multiple

Qualifications

• Experience in banking, business banking, commercial lending, SME lending, digital lending, credit risk, fintech, or a related financial services environment.
• Strong understanding of lending workflows, underwriting, risk assessment, loan origination, servicing and portfolio economics.
• Proven ability to convert client or market opportunities into commercial propositions, pilots, partnerships, or scalable programs.

Responsibilities

• Lead financial institution pilots and qualified opportunities from concept through implementation, commercialization, and scale.
• Build strategic relationships with financial institutions, issuers, capital providers, development finance organizations, and ecosystem partners.
• Partner with global and regional Sales, Account Management, Advisors, and business development teams to identify, shape, qualify, and advance lending opportunities and grow the pipeline.
• Lead or support client discovery, proposition development, commercial discussions, business cases, and pilot-to-commercial conversion.
• Translate client needs into clear product, data, credit decisioning, underwriting, origination, workflow, implementation, and operational requirements.

Skills

Banking experience

Commercial lending

Credit risk

Fintech familiarity

Education

Bachelor’s degree in Business/Finance/Economics

MBA advantageous

Job description

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

Manager, Product Management - Access to Capital & Credit Risk

Overview

Mastercard Credit Intelligence is building solutions that help financial institutions assess credit risk, expand responsible access to financing, and grow small and medium-sized business lending. The Access to Capital (A2C) team brings together financial institutions, issuers, capital providers, technology partners, and Mastercard capabilities to create scalable lending opportunities.

All About the Role

• Lead financial institution pilots and qualified opportunities from concept through implementation, commercialization, and scale.
• Build and manage strategic relationships with financial institutions, issuers, capital providers, development finance organizations, and ecosystem partners.
• Partner with global and regional Sales, Account Management, Advisors, and business development teams to identify, shape, qualify, and advance lending opportunities and grow the pipeline.
• Lead or support client discovery, proposition development, commercial discussions, business cases, and pilot-to-commercial conversion.
• Apply expertise in commercial or SME lending, credit risk, underwriting, loan origination, servicing, or portfolio management to design practical client solutions.
• Translate financial institution needs into clear product, data, credit decisioning, underwriting, origination, workflow, implementation, and operational requirements.
• Translate the A2C and Mastercard Lending Network strategy into scalable operating models and measurable commercial outcomes.
• Coordinate capital-provider and strategic-partner workstreams, converting ecosystem relationships into executable financial institution opportunities.
• Lead complex cross-functional work across Product, Sales, Legal, Privacy, Finance, Technology, and regional teams to establish governance, manage dependencies and risks, resolve blockers, and accelerate delivery.
• Develop trusted executive relationships with financial institutions and ecosystem partners to deepen partnerships, increase adoption, and accelerate commercialization across Mastercard capabilities.
• Help evolve A2C from pilot validation through live lending and multi-market scale toward the Mastercard Lending Network, including lender onboarding, portfolio monitoring, capital-provider connectivity, and Mastercard-enabled disbursement and repayment capabilities.
• Support initiatives that expand SME credit availability and drive incremental card issuance opportunities.

All About You

• Experience in banking, business banking, commercial lending, SME lending, digital lending, credit risk, fintech, or a related financial services environment.
• Strong understanding of lending products and workflows, including underwriting, risk assessment, credit decisioning, loan origination, servicing, and portfolio economics.
• Experience building, launching, managing, commercializing, or transforming lending products, digital credit journeys, credit platforms, or related banking capabilities.
• Demonstrated business development, client relationship, account management, or strategic partnership experience, ideally with financial institutions, lenders, issuers, or capital providers.
• Proven ability to convert client or market opportunities into commercial propositions, pilots, partnerships, or scalable programs.
• Demonstrated ownership and ability to independently lead complex initiatives, make sound decisions, and drive execution with limited day-to-day guidance.
• Strong cross-functional leadership and program management experience, including managing concurrent workstreams, stakeholders, dependencies, risks, and delivery timelines across teams, regions, and business areas.
• Excellent written and verbal communication skills, including leading workshops, facilitating decisions, and presenting recommendations to senior stakeholders.
• Ability to identify issues, recommend solutions, and advance complex initiatives from concept through execution.
• Entrepreneurial mindset and interest in helping build a new global business as the platform scales.
• Bachelor's degree in Business, Finance, Economics, Banking, Technology, Product Management, International Development, or a related discipline preferred. MBA, master's degree, or relevant postgraduate qualification is advantageous.

Nice-to-Have Experience

• Mastercard experience and/or existing financial institution or issuer relationships.
• Commercial leadership or people management experience.
• Data analytics, risk analytics, or technical experience supporting lending or credit products.
• Experience with fintechs, embedded finance, digital lending platforms, or alternative credit decisioning tools.

Selling Points

• Opportunity to help build and shape a rapidly growing global business.
• Significant visibility and direct partnership with senior Mastercard leadership.
• High levels of ownership, autonomy, and influence.
• Exposure to global financial institutions, lending ecosystems, and strategic partners.
• Potential future leadership and team-building opportunities.

What Success Looks Like

During the first 12 months, this individual will help Mastercard:

• Successfully execute priority A2C pilots and convert qualified opportunities into live lending programs and commercial deployments.
• Independently own major client, partner, and program workstreams.
• Establish repeatable lender onboarding, governance, partner management, and pilot-to-commercialization processes.
• Advance capital-provider relationships and convert them into executable financial institution opportunities.
• Expand the qualified pipeline with Global GTM, regional teams, Account Management, Advisors, and CNPF.
• Generate measurable Services revenue, lending growth, SME card issuance, and Mastercard network value.
• Build the operating foundation for A2C to evolve into the Mastercard Lending Network across additional lenders, markets, technology partners, and capital providers.

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.