Analyst,  Customer Credit Management-1

Description du poste:

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, Customer Credit Management-1

Overview
We are seeking an Analyst to join our Brazil Customer Risk Management (CRM) team. This role is based in Sao Paulo and will support Mastercard's credit and counterparty risk management activities across Brazil.

The Analyst will be responsible for credit B2B, Brazillian market, identifying, monitoring and managing credit risk for assigned markets in accordance with Mastercard's policies and procedures, including the CRM Procedures of the Credit Risk Policy.

Mastercard manages approximately USD 90B in credit exposure globally, making CRM a key component of our evolving and rapidly growing business model. This role provides strong development opportunities through regular engagement with internal teams such as Account Management, Franchise, Product, and with external partners, including issuers and acquirers.

Role Responsibilities
The primary responsibility is to ensure counterparty risk for assigned markets is identified, assessed, managed, and mitigated in line with Mastercard's policies, procedures, and risk appetite framework. Responsibilities include:

- Credit B2B
- Serve as the first point of contact for customer-specific CRM matters.
- Implement risk policies and controls to minimize potential credit losses while supporting business initiatives.
- Manage credit risk for the regional portfolio on both individual and portfolio levels.
- Provide data analysis and support strategy execution related to customer risk management.
- Support development and enhancement of risk processes, including alternative risk mitigation solutions.
- Coordinate CRM requirements in customer onboarding processes to ensure timely activation.
- Prepare external and internal CRM reporting (e.g., central bank filings, audit committee materials, ad hoc reports).
- Contribute to cross-functional initiatives requiring credit risk analytics and insights.
- Participate in process improvement efforts and sharing of best practices.

This role requires strong technical knowledge of credit analysis/underwriting, along with familiarity with Mastercard's business model, systems, tools, and relevant data sources.

About You
- Bachelor's or graduate degree in business, economics, finance, accounting, or a quantitative field (preferred).
- Experience in credit risk assessment and financial statement analysis; experience or knowledge of the banking sector in Brazil is beneficial.
- Strong decision-making, influencing, and stakeholder management skills.
- Ability to work with accuracy, ownership, and a sense of urgency.
- Proficiency in Excel, Word, and PowerPoint.
- Collaborative mindset and commitment to maintaining a positive and professional working environment.

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