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
Analyst, Risk Management – Customer Risk Management
Overview
We are currently looking for an Analyst, Europe Customer Risk Management (CRM), reporting to the Europe Regional CRM VP. The primary responsibility of the Analyst is to ensure counterparty/credit customer risk is appropriately identified, monitored and managed in accordance with the applicable Mastercard policies & procedures and risk appetite. The role is on the First Line of Defense under the Strategy & Operations organization, with partnership with the Second Line Credit Risk function. Mastercard has approximately $75 B 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 engagement with senior management, Mastercard’s sales, franchise, 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
Managing credit risk for the assigned portfolio, both on an individual and on a portfolio basis; point of contact for all CRM related matters for the assigned portfolio
Implementing risk policies and procedures to minimize potential credit losses while supporting business initiatives
Conducting customer credit risk underwriting analysis and strategy execution of customer risk management, leveraging the understanding of risks and regulations
Partnering with CRM Center of Excellence to ensure 24x7 customer exposure monitoring and management
Developing and managing risk processes, including the development of alternative risk mitigation solutions
Conducting credit considerations in the application process of new customers where needed
Helping prepare external and internal CRM-related reporting
Supporting cross-functional initiatives to deliver on risk goals
All About You
Graduate degree in business, finance, economics or equivalent
Experience in credit risk assessment and financial statements analysis; experience in / knowledge of the European banking sector and/or payments is a strong plus
Strong analytical and problem‑solving skills; ability to identify potential sources of risk and provide solutions
Strong negotiation and influencing skills
Ability to manage through a crisis and ability to make tough decisions with imperfect / incomplete information
Excellent written and verbal English communication skills
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.
Seniority level
Entry level
Employment type
Full-time
Job function
Finance and Sales
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