Director, Customer Risk Management | London, UK

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

Director, Customer Risk Management

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

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 :

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