Credit Risk Jobs in San Ramon, CA (NOW HIRING)

Our Purpose

Mastercard powers economies and empowers people in 200+ countries and territories worldwide. Together with our customers, we're helping build asustainableeconomy where everyone can prosper. We support a wide range of digital payments choices, making transactionssecure, 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

Managing Consultant - Advisors & Consulting Services (S&T) - Credit Risk Management SMEServices within Mastercard is responsible for acquiring, engaging, and retaining customers by managing fraud and risk, enhancing cybersecurity, and improving the digital payments experience. We provide value-added services and leverage expertise, data-driven insights, and execution. Our Advisors & Consulting Services team combines traditional management consulting with Mastercard's rich data assets, proprietary platforms, and technologies to provide clients with powerful strategic insights and recommendations. Our teams work with a diverse global customer base across industries, from banking and payments to retail and restaurants.
The Advisors & Consulting Services group has five specializations: Strategy & Transformation, Performance Analytics, Business Experimentation, Marketing, and Program Management. Our Strategy & Transformation consultants lead clients through impactful decision-making as they tackle strategic, tactical, operational, and transformational business challenges. They apply a broad set of problem-solving techniques to improve the client's overall strategy, performance, and operations.
Positions for different specializations and levels are available in separate job postings. Please review our consulting specializations to learn more about all opportunities and apply for the position that is best suited to your background and experience: https://careers.mastercard.com/us/en/consulting-specializations-at-mastercard
Roles and Responsibilities
As a Managing Consultant and credit risk subject matter expert, you will develop key client strategies, and lead or advise on credit risk client engagements. You will generate key hypotheses and independently structure credit risk engagements to address client problems. Leading the work of the project Delivery team, you will be a resource to others to identify creative and useful analyses to address client problems, synthesize analyses into clear, sound recommendations, and share findings through impactful storylines and slides.
Passion: Actively seeks responsibility and takes pride in delivering the highest quality results and recommendations to our clients.
Subject Matter Expertise: This role will serve as a North American go-to person for credit risk management, assisting with specialist sales support and product development/refinement as needed, and focused on knowledge sharing and development of team members.
Problem Solving: Leads definition and development of deliverables to solve client problems, address difficult client situations, and produce actionable recommendations for clients.
Analytic Excellence: Demonstrates a strong aptitude for structured problem solving and quantitative skills. The ideal candidate will have strong statistical and data analysis skills, including SAS / SQL / data mining skills.
Project Management: Clear interest in project delivery with business clients, and intuition for the way that companies make decisions and how credit risk helps address clients' problems.
Communication and Presence: Excellent written and verbal communication skills in client-facing situations, positioning Mastercard's solutions as high value solutions in sales and delivery conversations to achieve positive outcomes.
Teamwork: Creates positive team environment and supports collaboration within small teams to produce outstanding deliverables, with a will to win attitude. As the subject matter expert on project teams, provide on-the-job training on how to more effectively execute credit risk projects.
Commercial Orientation: Ability to identify strong opportunities to leverage credit risk capabilities, including identification of cross-sell opportunities, and partner with broader Data & Services teammates on contracting activities.
Qualifications
Basic qualifications
Undergraduate or master's degree in Business, Statistics, Mathematics, or Engineering
Credit risk management experience, specifically leading teams responsible for managing credit risk policy and credit risk strategies at a North American financial institution
Knowledge and experience using statistical procedures, segmentation, and financial analytic tools are required
Experience directly managing multiple people across multiple projects
Ability to communicate complex ideas effectively - both verbally and in writing - in English and the local office language(s)
Demonstrated ability to build trust-based relationships with both mid- and executive-level client contacts
Ability to multi-task in a fast-paced, deadline-driven environment
Advanced Word, Excel, and PowerPoint skills
Strong knowledge of SAS / SQL / R- or similar analytic coding skills
Candidates must be eligible to work in the country of which they are applying for a position in, as well as eligible to apply for travel visas as required by travel needs
Ability to travel to client sites on a semi-regular basis
Preferred qualifications
Experience in a consulting organization as a consultant is a bonus
Experience generating new knowledge or creating innovative solutions for a firm
MBA or master's degree with relevant specialization (not required)Mastercard is a merit-based, inclusive, equal opportunity employer that considers applicants without regard to gender, gender identity, sexual orientation, race, ethnicity, disabled or veteran status, or any other characteristic protected by law. We hire the most qualified candidate for the role. In the US or Canada, if you require accommodations or assistance to complete the online application process or during the recruitment process, please contact reasonable_accommodation@mastercard.com and identify the type of accommodation or assistance you are requesting. Do not include any medical or health information in this email. The Reasonable Accommodations team will respond to your email promptly.

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.

In line with Mastercard's total compensation philosophy and assuming that the job will be performed in the US, the successful candidate will be offered a competitive base salary and may be eligible for an annual bonus or commissions depending on the role. The base salary offered may vary depending on multiple factors, including but not limited to location, job-related knowledge, skills, and experience. Mastercard benefits for full time (and certain part time) employees generally include: insurance (including medical, prescription drug, dental, vision, disability, life insurance); flexible spending account and health savings account; paid leaves (including 16 weeks of new parent leave and up to 20 days of bereavement leave); 80 hours of Paid Sick and Safe Time, 25 days of vacation time and 5 personal days, pro-rated based on date of hire; 10 annual paid U.S. observed holidays; 401k with a best-in-class company match; deferred compensation for eligible roles; fitness reimbursement or on-site fitness facilities; eligibility for tuition reimbursement; and many more. Mastercard benefits for interns generally include: 56 hours of Paid Sick and Safe Time; jury duty leave; and on-site fitness facilities in some locations.