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: Our VisaNet network processes over 13,000 transactions 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.

The primary responsibility of the Senior Credit Analyst is to protect the Visa from settlement losses by ensuring that settlement risk issues are appropriately identified and mitigated. The Senior Credit Analyst will have the opportunity to participate in the broader scope of credit risk management by analyzing and monitoring existing Visa clients (mainly Financial Institutions and increasing number of Corporates) and recommending credit rating assignments for new clients.  In addition, the position will work closely with various key internal and external stakeholders that participate in the Visa payment system.     

The Miami based position will report directly to the Senior Director, LAC Head of Credit Settlement Risk. As part of an extended Global Team, the Senior Credit Analyst will also be involved in managing and implementation of the Global Credit Settlement Risk Policy.

Responsibilities

• Perform credit analysis and industry research of new and existing clients to ensure that risk assessments are properly conducted in order to identify risk exposures to the Company

• Credit risk evaluation and management of banks and non-bank clients in LAC

• Identify and monitor countries and clients throughout LAC that may cause concern and implement appropriate risk mitigation strategies

• Actively engage and work closely with both internal and external Senior Management to develop strategies that support business growth while addressing risk concerns

• Diligently monitor client exposures while working with collateral administration to action collateral shortfalls

• Anticipate client defaults (as far as possible) and manage client defaults in such a manner as to minimize risk exposure to Visa by implementing appropriate risk mitigation strategies 

• Ensure that Credit Settlement Risk issues are adequately identified for all products and decision risk assessments

• Assess liquidity and credit settlement risk regulatory requirements that apply to payment networks and participants.

• Bachelor’s Degree in Business or equivalent with significant relevant credit risk skills through training and seasoned thru relevant work experience. MBA or CFA is preferred  

• Able to demonstrate expertise in credit analysis and ability to develop processes and controls to provide management assurance of risk mitigating controls

• Ability to clearly articulate results after analyzing large scales of data to senior management as the basis for making key credit decisions 

• At least 5 to 7 years of relevant experience in analyzing corporate counterparty credit risk and financial institutions

• Be analytical, organized, accurate and detail-oriented with fact-based discipline

• Fluent, both written and verbal, in English and Spanish required. Portuguese desirable

• Excellent verbal and written communication skills with the ability to present clear and concise  recommendations to management   

• Able to work independently and as part of the team and manage multiple tasks simultaneously in a changing environment with a high degree of accuracy and detail

• Ability and willingness to take initiative on new projects and work well in a team environment

• Visa or other payment industry knowledge a plus

To be successful in this role, we are looking for someone that is flexible and independent with strong initiatives, yet a good team player who is self-motivated and adept at working collaboratively with the rest of the team globally and regionally.   

All your information will be kept confidential according to EEO guidelines.