The CEMEA Credit & Settlement Risk (CSR) team is responsible for proactively assessing and mitigating credit & settlement risks faced by Visa CEMEA, an integral part of one of the world's largest payment networks. Predominantly, the team manages settlement risks related to corporates and financial institutions across a vast portfolio, requiring risk-based prioritization and an understanding of balancing risks against rewards. An opportunity exists to join this highly respected team, which provides subject matter expertise across the Visa CEMEA organization and is part of a global CSR infrastructure.

This role requires you to be a subject matter expert in managing collateral (cash, SBLCs, and guarantees), as well as conducting credit analysis for corporates and/or financial institutions. This includes a good understanding and knowledge of credit rating models, their application, and use. You will need to utilize a variety of Visa systems, proactively interpreting and applying your expertise to mitigate risk while striking the appropriate risk versus reward balance. The role will require maintaining a strong relationship and partnering with the Business Development Managers, Country Managers, Legal, Licensing, Risk, Treasury and other regional CSR teams.

Key Responsibilities:

• Conduct credit risk analysis and monitoring for existing and prospective clients, including institutional research, forecasting and rating assessments.
• Lead due diligence meetings with senior client executives to evaluate financial health, strategy, and risk profiles.
• Perform sovereign risk analysis and develop deep expertise in regional banking systems and systemic risks.
• Support strategic planning by identifying high-potential institutions for Visa’s growth initiatives.
• Collaborate cross-functionally with Business Development, Strategy, Licensing, Legal, and Global CSR teams.
• Contribute to the implementation of Visa’s Global Credit Settlement Risk Policy and support regional risk objectives.
• Adhere to the CSR Framework, procedures, policy standards and controls.
• Have a sound understanding of a credit framework and controls environment, including its application in a financial or payments institution.
• Demonstrate the ability to use credit data and provide insightful analytics to manage risk better.
• Actively maintain and nurture relationships with clients and internal stakeholders to ensure smooth operations.
• Provide backup support for the other manager in managing standby letters of credit and guarantees.
• Managing the REACT system (Risk Exposure & Authorizations Controlling Tool), a credit risk management system that monitors authorizations and curbs/stops transactions when risk thresholds are reached for specific clients and group of BINs.
• Reviewing and onboarding new clients as well as the incentive deal review process.

This is a hybrid position. Expectation of days in office will be confirmed by your hiring manager.

• The successful candidate should be an independent, fast learner, capable of working with minimal supervision and will have:
• Holds a Master’s degree in business, management, finance, accounting, or a related field, with over 10 years of professional experience, including at least 7 years specifically in analyzing corporate counterparty credit risk and financial institutions.
• Approachable, collaborative, and proactive with a strong sense of responsibility and ownership.
• Strong understanding of banking and payments; skilled in risk analysis, problem-solving, and detail orientation. Proficient in Microsoft Office; experience with risk modeling tools is a plus.
• Excellent written and verbal communication. Effective team player with strong interpersonal skills and mature relationship management.
• Takes initiative on new projects and works well in teams. Readiness to respond after-hours, weekends and holidays to major risk matters.

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.

Visa is a world leader in payments technology, facilitating transactions between consumers, merchants, financial institutions and government entities across more than 200 countries and territories, dedicated to uplifting everyone, everywhere by being the best way to pay and be paid.

At Visa, you'll have the opportunity to create impact at scale — tackling meaningful challenges, growing your skills and seeing your contributions impact lives around the world. Join Visa and do work that matters — to you, to your community, and to the world.

Progress starts with you.