EndereçoVisa is a world leader in payments and technology, with over 259 billion payments transactions flowing safely between consumers, merchants, financial institutions, and government entities in more than 200 countries and territories each year. Our mission is to connect the world through the most innovative, convenient, reliable, and secure payments network, enabling individuals, businesses, and economies to thrive while driven by a common purpose – to uplift everyone, everywhere by being the best way to pay and be paid.
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Job Description
The primary responsibility of the Senior Credit Risk Manager is to protect the Visa from settlement losses by ensuring that settlement risk issues are appropriately identified and mitigated. The Senior Credit Risk Manager will have the opportunity to participate in the broader scope of Credit Risk management by analyzing and monitoring existing Visa clients (mainly Financial Institutions and increasing number of Corporates) and recommending credit rating assignments for new clients. In addition, the position will work closely with various key internal and external stakeholders that participate in the Visa payment system.
The Brazil based position will report directly to the VP, LAC Head of Credit Settlement Risk. As part of an extended Global Team, the Senior Credit Risk Manager will also be involved in managing and implementation of the Global Credit Settlement Risk Policy.
The Senior Credit Risk Manager will primarily focus to:
- Perform faster annual and interim (when available) credit analysis on existing clients and review new license applications to ensure CSR requirements are met to properly protect Visa from financial losses
- Respond to ad hoc queries and analytics requirements to support the complex Brazilian regulatory framework
- Monitor closely client settlement exposures and portfolio performance (specifically in deferred settlement markets) while addressing collateral shortfalls promptly
- Manage contracts related to the Trust Structures (E.g. Fiduciary, Escrow Account, FIDC and Processor agreements).
This is a hybrid position. Hybrid employees can alternate time between both remote and office. Employees in hybrid roles are expected to work from the office 2-3 set days a week (determined by leadership/site), with a general guidepost of being in the office 50% or more of the time based on business needs.
Qualifications
Basic Qualifications
-8 or more years of relevant work experience with a Bachelor Degree or at least 5 years of experience with an Advanced Degree (e.g. Masters, MBA, JD, MD) or 2 years of work experience with a PhD Preferred Qualifications
- 9 or more years of relevant work experience with a Bachelor Degree or at least 5 years of experience with an Advanced Degree (e.g. Masters, MBA, JD, MD) or 2 years of work experience with a PhD
- Able to demonstrate expertise in credit analysis and ability to develop processes and controls to provide management assurance of risk mitigating controls
- Ability to clearly articulate results after analyzing large scales of data to senior management as the basis for making key credit decisions
- At least 5 to 7 years of relevant experience in analyzing corporate counterparty Credit Risk and financial institutions
- Be analytical, organized, accurate and detail-oriented with fact-based discipline
- Fluency, both written and verbal, in Portuguese and English are required.
- Excellent verbal and written communication skills with the ability to present clear and concise recommendations to management
- Able to work independently and as part of the team and manage multiple tasks simultaneously in a changing environment with a high degree of accuracy and detail
- Ability and willingness to take initiative on new projects and work well in a team environment
- Visa or other payment industry knowledge a plus
Additional Information
Visa is an EEO Employer. Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, sexual orientation, gender identity, disability or protected veteran status. Visa will also consider for employment qualified applicants with criminal histories in a manner consistent with EEOC guidelines and applicable local law.
