Credit Risk Manager

Responsibilities Ongoing support of the Visa Direct Credit Risk Policy, seeking to minimize losses that result from exposures to Network Partners and Clients FX trading, including: Analyzing financial data from balance sheets and income statements etc. to credit assess third parties and clients in line with the Framework/Policy on a daily basis. Daily monitoring exposure limits for Network Partners and margin requirements for Client FX flows, ensuring adherence to Visa's risk appetite. Working with 1st line teams to prepare materials for the approval of credit risk waivers to the appropriate governance forums on an ad hoc basis. Ongoing support of the oversight of the credit risk, working closely with colleagues across various businesses to assess exposure and periodically deploy appropriate risk mitigation measures, including stress testing, scenario and market risk analyses. Assisting ad hoc implementation of a suite of risk metrics & reporting to help identify risks, the ongoing monitoring of risks, measuring financial risk exposures & investigating limit breaches for timely action. Ad hoc production of timely and effective management information and analysis to help inform key business and risk decisions, including preparing Committee quarterly reports to be used in the discussion with senior management, responding to credit risk related questions during the meetings to support the discussion. Support periodic updates to senior leadership, regulators and other external parties on Visa's financial risk management activities for the Visa Direct business unit. Location and working arrangements This is a hybrid position; the expectation of days in the office will be confirmed by your Hiring Manager. Qualifications Several years of experience of credit risk analysis with a strong analytical ability for analyzing creditworthiness of small and medium‑size enterprises, Fintechs, large corporates and financial institutions. An understanding of FX, trading and payment products and services, and of the wider economic environment and competitive landscape. Familiarity of Financial Risk Management techniques and approaches, including hedging, underwriting, credit risk governance and controls, stress testing, and scenario analysis for both day‑to‑day and theoretical analysis. Strong interpersonal and collaboration skills, excellent verbal and written communication skills, methodical and meticulous with high attention to detail. Self‑starter, confident dealing with senior executives, and able to think on their feet in a time‑critical environment. A curious attitude and a want and drive to challenge the status quo to deliver innovative risk management solutions within a business growth mindset. Additional Requirements Bachelor's Degree in STEM or finance and/or a CFA qualification is preferred. Excellent interpersonal, presentation, communication and facilitation skills, plus ability to work independently and effectively in a continually changing environment. Ability to develop strong relationships and work with all organizational levels. Proficiency in MS Word, Excel, Access, PowerPoint. Preferred Knowledge, skill and understanding in applying risk management practices. Commercial, front‑end, client‑facing experience, and understanding of the Payments industry and Visa Products and Services. Knowledge of Visa's Global Risk programs. Familiarity with regulated environments, including direct engagement with supervisors. About Visa Visa 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. #J-18808-Ljbffr