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Client & Consumer Protection – Risk Life Cycle Management – Credit Ana

London, Greater London, United Kingdom, £ £ - Annual Annual, Permanent


As a Credit Analyst, CSR, you will be central to delivering on Risk Europe's strategy by:

1. Building strong relationships to cross silos:
o Work closely across Risk Europe
o Work closely with relevant Global Centres of Excellence
o Work closely with other VEL Functions
2. Working collaboratively with the Businesses and other functions to deliver key Business projects and initiatives
3. Working collaboratively with other departments in Risk Europe and Global Risk to:
a. Deliver the Risk Europe strategy
b. Support delivery of the Global Risk strategy
c. Optimise efficiencies
d. Deliver appropriate consistency in risk management
e. Deliver key projects and initiatives
4. Using management information, metrics and analysis to inform business decision-making and to measure progress against goals and desirable outcomes
5. Identifying key risk topics for escalation to the RELT
6. Supporting, training and sharing expertise with other colleagues in VEL and globally
7. Contributing to a "best in class" Function/ Department recognised across VEL and globally as:
o Experts in their field
o Professional and business-aware
o Proactive and solutions-focused
o Constructive and proportionate in their challenge
o Approachable and collaborative
8. By word and deed, being part of the Risk Europe culture

What we expect of you, day to day:

Subject Matter Expert responsible for managing the CSR elements for the on-Boarding of new clients and continued life cycle management for newly on-boarded clients by adopting global frameworks and local control initiatives to support the business in achieving sustainable growth whilst ensuring client and consumer protection is maintained.
Will be part of a team that delivers high quality stakeholder engagement to ensure a best-in-class on boarding experience in order to meet Visa's Risk Appetite requirements as well as ensuring risk and reward, compliance appetite are observed through robust on boarding process and lifecycle management process including timely exiting clients where appropriate to protect Visa's brand and the ecosystem.

Key Accountabilities:
• Protects Visa and its shareholders from financial loss or goodwill damage resulting of a client's failure to fulfil its payment obligations
• Provides functional and managerial leadership during client on-boarding focusing on credit assessments of financial institutions and corporations and risk mitigation
• Represents the Credit Risk team in company initiatives working closely with internal and external stakeholders including senior executives to achieve business goals and objectives
• Champions a risk culture within the company
• Establishes and fosters relationships with Client and internal stakeholders at all levels of staff, senior and executive management. Provides thought leadership and strategic guidance during the solution development process to ensure all necessary risk solutions are fully implemented
• Provides detailed knowledge of Visa credit risk framework, process and procedures, and demonstrates the ability to follow those processes and procedures with no guidance to complete work on time and with quality
• Lead engagement with new and existing clients throughout the on-boarding process, assessing CSR exposures ensuring that the Visa ecosystem is protected
• Responsible for assessing and applying relevant CSR control measures to clients during the on-boarding process and during the client lifecycle, including periodic reviews
• Develop partnerships within the business to support achievement of sustainable business growth targets and managing the deal pipeline ensuring that priorities are adequately supported
• Propose and implement process improvements to support the 'protect' and 'sustainable growth' mantras
• Pro-actively identify potential for optimization of existing Nurture controls during the on-boarding process where appropriate
• You will identify improvement opportunities within the existing on-boarding process to support business growth and focus
• Responsible for continued life cycle management and monitoring of newly on-boarded clients via a periodic review process identifying breached controls and establishing remediation actions. Proactively manage and support clients dealing with identified concerns and manage the process for clients voluntarily or involuntarily exiting Visa
• Work with clients directly, across video-, tele-conference, e-mail, sometimes face-to-face on-site and other media, to provide subject matter expertise of the on-boarding process and lifecycle management
• Ensure that on-boarding and lifecycle management activities are appropriately tracked to be used to build a picture of incentives offered, revenue returns, time to market and identify where key issues are originating from
• Support the business at the deal stage of applications ensuring adequate information is obtained and understand the deal being proposed so that CSR related risks are appropriately managed
• Present at internal on-boarding focused events, promoting on-boarding pathways and lifecycle management framework (periodic review process)
• Proactively identify improvements to on-boarding facing tools, Dynamics, Visa Partner Portal and drive enhancements in efficiencies
• Actively contribute to the exiting process of clients as required, including involuntary terminations
• Provide leadership, strategic direction and management during client on-boarding consisting of European corporations, financial institutions, and fintechs'
• Lead financial assessments through interaction with client senior management and internal account executives -- assessments entail financial statement and cash flow analysis and modelling to ascertain the credit health of each respective client
• Assess the economic and political conditions and outlooks of European countries -- keep abreast of economic and political conditions that may increase the country risk in places where Visa does business
• Implement risk solutions including the collection of collateral to minimize risk to Visa on unsound clients
• Lead engagement with internal and external senior executives to contribute to strategies that support business growth while advising on solutions to address risk concerns
• Monitor risk exposures to ensure that any material uncovered risk exposures are suitably addressed
• Coordinate with the collateral administrator and other internal stakeholders to ensure collateral is received timely and placed in the appropriate safekeeping accounts
• Produce risk reports and metrics for management
• Identifies opportunities to improve credit risk processes and procedures and takes the initiative to lead and drive change that results in measurable and sustained improvement in cost and/or quality
• Deliver solutions within a matrix organization
• Any other activities as requested to support business or regulatory objectives

Job Details

Not Specified
London, Greater London, United Kingdom
£ £ - Annual Annual