Senior Credit Risk Manager-1

About Us Visa is a world leader in payments technology, facilitating transactions between consumers, merchants, financial institutions and government entities across more than 200 countries and territories, dedicated to uplifting everyone, everywhere by being the best way to pay and be paid. At Visa, you'll have the opportunity to create impact at scale — tackling meaningful challenges, growing your skills and seeing your contributions impact lives around the world. Join Visa and do work that matters – to you, to your community, and to the world. Progress starts with you. Job Description Visa is seeking a Senior Credit Risk Manager to join the Credit and Settlement Risk function, with primary responsibility for the credit and settlement risk oversight of Acquirers within the Visa payment ecosystem. This role will be focused on the active and preventive financial monitoring of these participants, supporting the development of a robust and forward-looking risk management approach across the payment flow. The successful candidate will also play a key role in enhancing the risk management framework, particularly in light of evolving regulatory requirements, including BACEN Resolution 522. Working cross-functionally with teams across Risk, Legal, Compliance, Sales, Products, Finance, and other core business functions, this leader will help drive a consistent and comprehensive approach to mitigating financial risks, strengthening governance, and supporting the resilience of the acquiring ecosystem. Key Responsibilities: Lead the credit and settlement risk management of Acquirers participating in the Visa payment arrangement. Develop and implement a proactive monitoring framework for credit and liquidity risk, including dashboards, risk indicators, and key controls. Perform financial and credit risk analysis, assign internal risk ratings, and define appropriate guarantee, collateral, and other mitigation requirements. Monitor the integrity and accuracy of the end-to-end payment flow, identifying potential vulnerabilities and escalation needs. Prepare executive risk reporting, peer group analysis and structured materials to support governance routines and recurring regulatory reporting. Conduct ad hoc financial risk assessments to support strategic decisions related to the portfolio. Partner with internal stakeholders to optimize risk actions and address issues related to settlement failures, liquidity events, or participant insolvency. Support and educate participants on best practices in financial risk management, settlement discipline, and risk governance. Contribute to the continuous enhancement of policies, methodologies, and processes to ensure a consistent and scalable risk management approach. Visa requires at least 3 days in office, expectations of these days will be confirmed by your Hiring Manager. Qualifications Basic Qualifications: 8 or more years of relevant work experience with a Bachelor Degree or at least 5 years of experience with an Advanced Degree (e.g. Masters, MBA, JD, MD) or 2 years of work experience with a PhD Preferred Qualifications: 9 or more years of relevant work experience with a Bachelor Degree or 7 or more relevant years of experience with an Advanced Degree (e.g. Masters, MBA, JD, MD) or 3 or more years of experience with a PhD Significant experience in credit risk, counterparty risk, financial risk, or settlement risk management, preferably within payments, financial services, banking, card schemes, acquiring, or fintech. Strong expertise in financial statement analysis, credit assessment, liquidity analysis, and risk monitoring frameworks. Experience managing or assessing risks related to Acquirers, Sub-acquirers, Issuers or similar financial counterparties. Proven ability to build dashboards, management reporting, and executive-level risk materials. Strong stakeholder management skills, with the ability to work effectively across cross-functional teams and influence decision-making. Strong knowledge of and extensive familiarity with Artificial Intelligence platforms and solutions. Excellent analytical, communication, and problem-solving capabilities. Fluency in English and Portuguese. Spanish is a plus. Visa is an EEO Employer Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, sexual orientation, gender identity, disability or protected veteran status. Visa will also consider for employment qualified applicants with criminal histories in a manner consistent with EEOC guidelines and applicable local law.