Analyst – Risk Management
Mastercard — Pune, Maharashtra
₹4–10 LPA (HireSetu estimate) · Entry level · Freshers eligible · Full-time
HireSetu listing reference 7b5510 · employer requisition R-294790 — confirm requirements below, then apply on the employer site.
Quick answer: The work is monitoring and escalation: a daily scan of credit news, round-the-clock checks on customer exposure and prefunding accounts, failed settlements to chase, and the first draft of underwriting packs for senior analysts.
From Mastercard's job posting
Our Purpose
Mastercard powers economies and empowers people in 200+ countries and territories worldwide. Together with our customers, we’re helping build a sustainable economy where everyone can prosper. We support a wide range of digital payments choices, making transactions secure, 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.
Job Description
The primary responsibility is to support the CRM team to ensure customer risk is appropriately monitored in accordance with Mastercard’s policies & procedures and risk appetite framework. The role also involves partnering with our Corporate Treasury Central Team and Settlement Operations teams to assist with any CRM data validation or CRM system testing related to CEM (Customer Exposure Management) improvements as well as preparing commercial underwriting documentation before handing it over to senior analysts for completion.
Mastercard has approximately $68B in credit exposure to financial institutions and other counterparties worldwide, placing the CRM role as a key part of its evolving and quickly growing business model. The magnitude and strategic nature of this exposure necessitates periodic engagement with senior management, Mastercard’s sales, franchise, and product organizations as well as our customers (issuers, acquirers, etc. This provides great opportunities to learn and grow your career within Mastercard.
Role
- Daily read of Factiva/CreditEdge customer related news and regulatory website to scan for customer’s financial distress
- Monitor 24/7 global customer exposures and, based on volume trends and news/regulatory websites, immediately inform risk managers in case of urgencies (bankruptcies, insolvencies, administration etc)
- Monitor 24/7 the company prefunding accounts.
- Follow up with customers and account managers on open settlement positions of customers for small settlement failures, coordinating with Account Managers and Settlement operations, to determine if genuine or if it is a reconciliation issue
- Participate in decision process, including emergency procedures as directed by the Risk Managers
- First assembling of Commercial Underwriting for senior risk analysts, including data points such as volume/exposure trends, recommended CEM thresholds limits and settlement analysis
- CEM (Customer Exposure Monitoring) System testing
- Ad hoc reporting on customer volume, exposure and CEM declines trends
- Report and coordinate with the appropriate teams in case of CEM inaccuracies or process failures
- Maintain Customer Exposure Monitoring Manual
- Participate in various process improvement initiatives and best practices sharing;
- Access/check balances on customer bank account subject to security agreements, as applies
All About You
- Graduate/Postgraduate degree in business, economics, econometrics or equivalent.
- Experience in credit risk assessment and financial statements analysis (preferably).
- Accuracy, self-drive, accountability and sense of urgency.
- Outstanding written and verbal English communication skills.
- Advanced Excel, Word, and PowerPoint user.
- Positive attitude, strong work-ethic, and good sense of humor.
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.
Text from Mastercard's official job posting, formatted by HireSetu. The employer's own page is the final word on details.
The 24/7 part is literal
Global customer exposures and the prefunding accounts are watched around the clock, with bankruptcies, insolvencies and administration cases escalated to risk managers straight away. Someone is always on, so ask how that coverage is split across the team before you accept. The daily read of Factiva, CreditEdge and regulatory sites is the quieter half of the job: you build a picture of each customer's financial health so that a real change registers when it appears.
Most of the output is spreadsheets and slides
The commercial underwriting pack you assemble goes to a senior analyst for completion, and it carries volume and exposure trends, proposed CEM thresholds and settlement analysis. Ad hoc reporting on exposure and CEM declines lands on you too. Advanced Excel, Word and PowerPoint are listed as requirements for that reason. Pivot tables over large volumes and a deck someone else can present are the baseline; CEM system testing adds a different discipline, where you write down the expected result, run the case and report the mismatch.
Brush up on bank financials
Credit risk assessment and financial statement analysis are preferred, which tells you the team reads balance sheets rather than just dashboards. Revise bank financials: capital, liquidity, asset quality, and the ratios that move when a lender is under strain. The degree bar is a graduate or postgraduate qualification in business, economics or econometrics.
You will also be chasing open settlement positions with customers and account managers, and deciding whether a small failure is real or a reconciliation gap. That work runs on clear written English, which the listing rates highly, and on following up without letting things drift.
Prepared from Mastercard's job posting and checked against it before publishing. See our Editorial Policy.
How to apply
- The Apply button opens this job on Mastercard's careers site (mastercard.wd1.myworkdayjobs.com).
- Its requisition number is R-294790; search for it on the careers site if the link ever stops working.
- Workday logins are separate for every company, so you need an account made for Mastercard.
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