Senior Director, Credit Settlement Risk

  • Full-time
  • Job Family Group: Risk

Company Description

About Visa:

 

Common Purpose, Uncommon Opportunity. Everyone at Visa works with one goal in mind – making sure that Visa is the best way to pay and be paid, for everyone everywhere. This is our global vision and the common purpose that unites the entire Visa team. As a global payments technology company, tech is at the heart of what we do. CyberSource, a Visa company, has been and continues to be a pioneer within the e-Commerce Payment Management world. Our VisaNet network is capable of handling over 65,000 transaction messages per second for people and businesses around the world, enabling them to use digital currency instead of cash and checks.

 

We are also global advocates for financial inclusion, working with partners around the world to help those who lack access to financial services join the global economy. Visa’s sponsorships, including the Olympics and FIFA™ World Cup, celebrate teamwork, diversity, and excellence throughout the world. If you have a passion to make a difference in the lives of people around the world, Visa offers an uncommon opportunity to build a strong, thriving career. Visa is fueled by our team of talented employees who continuously raise the bar on delivering the convenience and security of digital currency to people all over the world. Join our team and find out how Visa is everywhere you want to be.

 

“Visa will consider for employment qualified applicants with criminal histories in a manner consistent with the requirements of Article 49 of the San Francisco Police Code.”

Job Description

The SD AP-CSR will manage the AP Credit Settlement Risk team of 5 analysts managing credit & settlement risks across Visa’s Asia Pacific region covering 500 bank and non-bank clients. As the team manager, the role will involve monitoring credit ratings, settlement exposures, security levels and approving actions such as ratings, collateral and initiatives to support business. The SD will work closely with internal and external stakeholders such as Country teams, Merchant Services and Treasury. Externally the role will interface with senior managers at Visa clients.

The Singapore-based position is a regional role with dual reporting to the VP Ecosystem Risk and the VP Global CSR.  As part of the CSR leadership, the SD will actively lead and participate in initiatives to further refine and improve Visa’s global credit risk management policies & procedures. Moderate travel between 10 – 20% regionally.
 
Responsibilities:

• As a credit expert preferably on both FI and corporate clients, you will actively engage with colleagues to contribute to strategies and approve credit reviews that support business growth while advising on solutions to address risk concerns.

• Supervise timely & quality performance of credit risk assessments by the team, monitor client risk exposures based on analysis of financial statement including balance sheet structures and strategies, loan portfolios, off-balance sheet transactions and liquidity management.

• Initiate, supervise and review research and analysis of institutional and sovereign risk, economic and political status of key markets and credit ratings issued by rating agencies.

• Participate and approve client due diligence reviews through interaction with client senior management, and provide assessment of client’s financial performance and management.

• Monitor ongoing monitoring of client exposures to ensure collateral shortfalls are rectified timely.

• Lead initiatives to refine and improve Visa credit policies, rating tools and analytics to ensure that best practices are maintained. Propose exceptions to the policy where necessary for special circumstances.

• Present to senior management and at Visa client risk conferences.

Qualifications

• 15+ years of progressive experience in portfolio credit risk management of FI and/or corporate clients gained from a bank, rating agency or similar.  

• Good Bachelor’s degree preferably in Finance, Economics or Engineering.

• Experienced and culturally-sensitive people manager. Able to directly interact with senior managers at clients located across the AP region.

• Expert written & verbal communication skills in English. Advanced skills in an Asian language will be a plus.

• The highly matrixed environment in Visa requires the individual to be collaborative and able to identify issues in a timely manner, assess them collectively and present clear point of view to stakeholders and management.

• Mature, able to work independently and drive strong initiatives. Good team player who works collaboratively both regionally and globally.

Additional Information

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