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. Title and Summary Director, Customer Risk Management Overview: We are currently seeking a Director, Commercial and New Payment Flows (CNPF) Customer Risk Management (CRM), reporting to the CRM Vice President for EEMEA. The role will be based in Cairo, Egypt. In this role, the Director will support senior management in overseeing Mastercard’s CRM function for the CNPF organization globally. The role primarily focus on ensuring that exposures remain within Mastercard’s defined risk appetite, while also ensuring that the financial returns associated with these exposures are appropriate. Mastercard has credit exposure to financial institutions and other counterparties worldwide, positioning CRM function as a critical component of a rapidly evolving and expanding business model. Given the scale and strategic importance of these exposures, the role will involve regular engagement with senior leadership, as well as close collaboration with Sales, Franchise, Treasury, Product organizations and external customers. This position offers a unique opportunity to gain broad exposure across Mastercard’s global payments network, while contributing to a high impact risk management function supporting one of the company’s fastest growing businesses. Role: The primary responsibility of the Director will be to ensure that settlement exposures are appropriately identified, monitored and managed in accordance with Mastercard’s policies, procedures and risk appetite framework, with cross-border services (XBS) as the initial focus. Responsibilities include, but are not limited to: • Prepare and approve commercial underwriting documentation, including detailed analysis of customers’ financial statements and ownership structures and present underwriting recommendations to senior stakeholders. • Provide management support to XBS CRM team in managing their portfolios • Lead and coordinate XBS CRM Forum, ensuring effective governance, structured risk discussions and alignment across internal stakeholders. • Partner with Sales and Product organizations to understand evolving business model and support development of innovative products • Explore alternative risk mitigation structures with external institutions, as required. • Support strategic initiatives to enhance risk management capabilities, including development and refinement of credit risk rating model. • Collaborate with Corporate Treasury and Settlement Operations teams to strengthen settlement processes, treasury frameworks and exposure monitoring mechanisms • Develop and maintain XBS CRM procedures governing management of credit risk across XBS business. • Support preparation of regular credit risk management reports, as well as ad-hoc reporting during crisis situations or periods of heightened risk. All About You: • Graduate degree in business or equivalent, postgraduate degree preferred; • Proven experience in credit risk assessment and financial statement analysis, including contribution to the development and enhancement of credit risk rating models. This includes identification of key risk drivers, application of statistical and analytical techniques, calibration of risk metrics and design of risk scoring frameworks, as well as supporting implementation, validation and ongoing refinement of credit rating methodologies. Experience in or knowledge of the banking sector and remittance business is a strong plus; • Risk mindset: ability to think outside the box and identify potential sources of risk; • Crisis management: ability to manage through a crisis under time pressure and make tough decisions with imperfect information; • Strong negotiation and influencing skills, including at the very senior management levels; • Positive attitude, strong work-ethic and good sense of humor; • Outstanding written and verbal English communication skills, any knowledge of Arabic is a plus; • Advanced Excel, Word and PowerPoint user; 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 wit