Job Title:

Director, Customer Risk Management

Overview:

Overview
We are currently looking for a Director, reporting to the Head of Customer Risk Management (CRM) for Europe. The role is based in London, U.K. or Waterloo, Belgium.

Mastercard has over $70B credit exposure to its customers and other counterparties worldwide, placing the CRM role as a key part of its evolving and quickly growing business model. The CRM team operates as a vital component of the broader Strategy & Operations organization, playing a critical role in supporting and driving Mastercard’s success. The magnitude and strategic nature of this exposure necessitates engagement with senior management, Mastercard’s sales and product organizations as well as our customers. This further provides great opportunities to grow your career within Mastercard.

This role is on the first line of defense, with key responsibilities including CRM strategy and roadmap for the assigned portfolio, customer credit analysis and underwriting, formulating risk mitigation approach, developing risk management solutions for new products, and engaging regulators within the region.

Role
The primary responsibility is to ensure customer risk is appropriately identified, monitored, and managed in accordance with Mastercard’s policies & procedures and risk appetite. This includes, but is not limited to:
• Owning all CRM related matters for the assigned portfolio
• Performing customer credit risk underwriting analysis and presenting the same to senior management for approval
• Leading the development of risk mitigants for customers with the account managers and customers
• Understanding and partnering to design and implement innovative approaches to cater to customers with different business models
• Leading cross-functional team to design, build, and implement new risk management solutions for both existing and new products, e.g., crypto
• Influencing Credit Policy and Standards; developing CRM procedures
• Building successful relationships with sales and product organizations with strong business acumen
• Conducting credit considerations in the application process of new customers where needed
• Managing through impacts of customer failures including portfolio transfers and license termination
• Conducting portfolio reviews and risk screening via early warning indicators
• Analyzing and reporting on the region’s exposure and key risks to senior management
• Partnering with CRM Center of Excellence to ensure 24x7 customer exposure monitoring and management
• Working closely with Regulatory Affairs in engaging with central banks and other regulators within the region
• Partnering with Corporate Treasury and Settlement Operations to enhance settlement & treasury related processes

All About You
• Graduate degree in business or equivalent
• Experience in credit risk assessment, financial statements analysis and management is a prerequisite; experience in / knowledge of the banking sector and knowledge of the European payments regulation landscape are a strong plus
• Commercial mindset to drive appropriate balance between risk and reward
• Ability to think outside the box and identify potential sources of risk and provide solutions, strong analytical and problem-solving skills
• Strong negotiation and influencing skills, including at the very senior management levels
• Ability to lead a high-performing and diverse team, ability to lead cross-functionally
• Ability to manage through a crisis, leading a team to make tough decisions with imperfect/incomplete information
• Excellent written and verbal English communication skills