Supports customer risk monitoring and credit exposure management for financial institutions and counterparties. Responsibilities include reviewing financial distress news, monitoring customer exposures and prefunding accounts, investigating settlement failures, preparing commercial underwriting documentation, testing the Customer Exposure Monitoring system, producing reports, maintaining procedures, and coordinating urgent risk issues with internal teams and customers.
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
Job Description:
The primary responsibility is to support the CRM team to ensure customer risk is appropriately monitored in accordance with Mastercard's policies & procedures and risk appetite framework. The role also involves partnering with our Corporate Treasury Central Team and Settlement Operations teams to assist with any CRM data validation or CRM system testing related to CEM (Customer Exposure Management) improvements as well as preparing commercial underwriting documentation before handing it over to senior analysts for completion.
Mastercard has approximately $68B 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 periodic engagement with senior management, Mastercard's sales, franchise, and product organizations as well as our customers (issuers, acquirers, etc. This provides great opportunities to learn and grow your career within Mastercard.
Role:
• Daily read of Factiva/CreditEdge customer related news and regulatory website to scan for customer's financial distress• Monitor 24/7 global customer exposures and, based on volume trends and news/regulatory websites, immediately inform risk managers in case of urgencies (bankruptcies, insolvencies, administration etc)• Monitor 24/7 the company prefunding accounts.• Follow up with customers and account managers on open settlement positions of customers for small settlement failures, coordinating with Account Managers and Settlement operations, to determine if genuine or if it is a reconciliation issue• Participate in decision process, including emergency procedures as directed by the Risk Managers• First assembling of Commercial Underwriting for senior risk analysts, including data points such as volume/exposure trends, recommended CEM thresholds limits and settlement analysis• CEM (Customer Exposure Monitoring) System testing• Ad hoc reporting on customer volume, exposure and CEM declines trends• Report and coordinate with the appropriate teams in case of CEM inaccuracies or process failures• Maintain Customer Exposure Monitoring Manual• Participate in various process improvement initiatives and best practices sharing;• Access/check balances on customer bank account subject to security agreements, as applies
All About You:
• Graduate/Postgraduate degree in business, economics, econometrics or equivalent.• Experience in credit risk assessment and financial statements analysis (preferably).• Accuracy, self-drive, accountability and sense of urgency.• Outstanding written and verbal English communication skills.• Advanced Excel, Word, and PowerPoint user.• Positive attitude, strong work-ethic, and good sense of humor.
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:
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
Job Description:
The primary responsibility is to support the CRM team to ensure customer risk is appropriately monitored in accordance with Mastercard's policies & procedures and risk appetite framework. The role also involves partnering with our Corporate Treasury Central Team and Settlement Operations teams to assist with any CRM data validation or CRM system testing related to CEM (Customer Exposure Management) improvements as well as preparing commercial underwriting documentation before handing it over to senior analysts for completion.
Mastercard has approximately $68B 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 periodic engagement with senior management, Mastercard's sales, franchise, and product organizations as well as our customers (issuers, acquirers, etc. This provides great opportunities to learn and grow your career within Mastercard.
Role:
• Daily read of Factiva/CreditEdge customer related news and regulatory website to scan for customer's financial distress• Monitor 24/7 global customer exposures and, based on volume trends and news/regulatory websites, immediately inform risk managers in case of urgencies (bankruptcies, insolvencies, administration etc)• Monitor 24/7 the company prefunding accounts.• Follow up with customers and account managers on open settlement positions of customers for small settlement failures, coordinating with Account Managers and Settlement operations, to determine if genuine or if it is a reconciliation issue• Participate in decision process, including emergency procedures as directed by the Risk Managers• First assembling of Commercial Underwriting for senior risk analysts, including data points such as volume/exposure trends, recommended CEM thresholds limits and settlement analysis• CEM (Customer Exposure Monitoring) System testing• Ad hoc reporting on customer volume, exposure and CEM declines trends• Report and coordinate with the appropriate teams in case of CEM inaccuracies or process failures• Maintain Customer Exposure Monitoring Manual• Participate in various process improvement initiatives and best practices sharing;• Access/check balances on customer bank account subject to security agreements, as applies
All About You:
• Graduate/Postgraduate degree in business, economics, econometrics or equivalent.• Experience in credit risk assessment and financial statements analysis (preferably).• Accuracy, self-drive, accountability and sense of urgency.• Outstanding written and verbal English communication skills.• Advanced Excel, Word, and PowerPoint user.• Positive attitude, strong work-ethic, and good sense of humor.
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.
Mastercard Pune, Mahārāshtra, IND Office
Mastercard Pune Tech Hub Office



Poona Club Road, Pune, Maharashtra, India, 411001
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