Senior Manager, Credit Risk US A2A Payments & Open Banking

As a Senior Credit Manager, you will report to the VP of US A2A Payments & Open Banking and partner with second-line risk, account management, sales, and support to mitigate credit risk in open banking payments. The right candidate will possess a strong background in corporate credit analysis with excellent verbal and written communication skills.The successful candidate will have experience in risk management for payments and a solid understanding of merchant counterparty credit risk. They will be able to partner with the account management and sales teams to guide merchants through the credit risk assessment process. They will also proactively communicate portfolio risks to internal stakeholders, including executive leadership, with recommendations on strategies to support business growth while addressing risk concerns. This role represents an exciting opportunity to make key contributions to a strategic offering for Visa. The candidate will be a self-starter comfortable with ambiguity, with strong attention to detail, and excellent collaboration skills. This is an independent contributor position but may grow into a managerial role over time.ResponsibilitiesCreate a credit underwriting framework to evaluate the business models and financial condition of prospective merchants and holistically determine their counterparty credit riskAnalyze and interpret business models, credit reports, merchant processing history, bank and trade references to assess the financial risk of merchants and recommend any necessary mitigationsPartner with Legal and Compliance teams to gain a comprehensive view of the overall risk profile presented by merchant, particularly in high-risk industry verticalsWork with Sales to guide merchants through the risk assessment process. Communicate directly with merchant representatives as needed to explain Visa’s financial risk policies.Create a robust framework to monitor the ongoing credit risk of merchants and flag any deterioration in their financial conditionWork with sales operations and account management to streamline processes reducing manual intervention and optimize the merchant experienceClearly articulate the risk factors and mitigations for individual merchants and the overall portfolio to senior level executives in the risk, finance, and business functionsBuild strong relationships with key stakeholders at the working level to execute with excellence and align closely with Visa’s overall credit risk teamThis is a hybrid position. Expectation of days in office will be confirmed by your hiring manager.