P&L Optimization Strategy Lead - Senior Consultant

Mastercard; Virginia (MN); On-site; USD 120,000 - 180,000; Full time

Job summary

Mastercard seeks a Senior Managing Consultant in Advisors & Consulting Services to lead profitability work across card portfolios, translating data into clear, executive-ready recommendations for issuers and payments clients. You will guide P&L models, craft strategic storylines, and drive commercial value across global engagements.

You'll work with cross-functional teams, interface with executives, and shape solutions that optimize portfolio performance, pricing, and partnerships in a

Qualifications

• 12+ years of experience in credit card product performance and profitability modeling across products (consumer, small business, and commercial), credit segments, and acquisition channels
• Deep understanding of key profitability drivers, how to evaluate a P&L for strategic risks and opportunities, and the card issuance value chain (including product management, marketing, credit risk policy/strategy, and operations)
• Excellent problem-solving capabilities to structure ambiguous problems, develop pragmatic hypotheses, and lead the team to actionable, client-ready recommendations.
• Strong quantitative skills, financial/statistical/data analysis skills, and attention to detail.
• Able to proactively identify opportunities to expand impact through P&L optimization, cross-sell, and strong partnership with Services commercial teams.
• Strong communication & presence to be able to communicate complex analysis clearly in writing and in executive discussions; create compelling storylines that position Mastercard as a high-value partner with mid and executive-level client stakeholders
• Strong project management discipline to lead delivery across multiple workstreams—scope, timeline, team cadence, and quality—while being able to anticipate risks and manage stakeholders.
• Proven people and delivery leadership across multiple projects; ability to multitask in a fast-paced, deadline-driven environment
• Undergraduate degree with work experience in corporate strategy, business intelligence, business line management, business finance, and/or product management
• Experience generating new knowledge or creating innovative solutions
• Advanced Excel, PowerPoint, Word skills
• Ability to communicate effectively in English and the local office language (if applicable)
• Eligibility to work in the country where you are applying, as well as apply for travel visas as required by travel needs
• Ability to travel to client sites on a semi-regular basis

Responsibilities

• Lead complex client engagements across a range of industries and problem statements
• Direct the development of strategies and programs for regional and global clients by leveraging data and technology solutions to unlock client value
• Interface with client executives and functional leaders across product, finance, marketing, credit risk, loyalty, and operations to achieve commercial success
• Serve as a trusted, credible client business advisor and generate enthusiasm for the Mastercard team and our recommendations
• Lead end-to-end profitability and business casing engagements for credit card products, including new product launches and portfolio optimization.
• Guide development of client-ready P&L and business case models with documented assumptions and sensitivities
• Synthesize quantitative and qualitative analyses into clear recommendations; craft executive-ready storylines and slides that drive decisions.
• Direct client data requests; oversee data transformation, validation, and analysis to identify the drivers of revenue, cost, risk, and retention.
• Evaluate strategic options such as co-brand and loyalty constructs, value proposition changes, channel strategies, and agent banking considerations where relevant.

Job description

Mastercard seeks a Senior Managing Consultant in Advisors & Consulting Services to lead profitability work across card portfolios, translating data into clear, executive-ready recommendations for issuers and payments clients. You will guide P&L models, craft strategic storylines, and drive commercial value across global engagements.

You'll work with cross-functional teams, interface with executives, and shape solutions that optimize portfolio performance, pricing, and partnerships in a