Job Description

Company DescriptionVisa is a world leader in payments and technology, with over 259 billion payments transactions flowing safely between consumers, merchants, financial institutions, and government entities in more than 200 countries and territories each year. Our mission is to connect the world through the most innovative, convenient, reliable, and secure payments network, enabling individuals, businesses, and economies to thrive while driven by a common purpose - to uplift everyone, everywhere by being the best way to pay and be paid.Make an impact with a purpose-driven industry leader. Join us today and experience Life at Visa.Join our CEMEA Risk team as a Credit & Settlement Risk (CSR) Analyst, focusing on the Sub-Saharan African (SSA) region. As a CSR member, you will be tasked with managing and mitigating credit and settlement risks for a diverse portfolio of clients in the SSA region. This involves comprehensive risk assessment, institutional and sovereign risk research, and to collaboration with various internal and external stakeholders to support Visa's strategic and operational objectives. This position reports directly to the CSR Lead for SSA.Responsibilities:

• Monitor and assess credit risks for existing and potential clients. Identify high-risk clients and take steps to protect Visa, while spotting future market leaders.
• Conduct in-depth research and analysis on institutional and sovereign risks. This includes developing expert knowledge of the banking systems in which clients operate and understanding the credit and systemic risks inherent in those systems.
• Research countries and banks/companies to assist Visa in growing and developing its global market leadership.
• Effectively manage stress situations like client failures and outstanding settlement cases
• Compile and analyze complex datasets, producing informative reports using Excel, graphs, pivot tables, and presentations.
• Establish new clients in our internal risk monitoring tool, analyzing clients' volume trends in various systems to determine an appropriate level of decline/informational alerts.
• Provide excellent internal customer service to ensure SLAs are met in a timely and thoughtful manner.
• Support the overall CEMEA Risk Management and Regional Management in achieving specified strategic and operational objectives.
• Work closely with other diverse areas of Visa, including Business Development, Strategic Partnership, Operations, Licensing, Legal, and Risk Management departments, as well as other regions and Global Credit Settlement Risk.

This is a hybrid position. Expectation of days in office will be confirmed by your hiring manager.QualificationsWe're looking for a proactive, quick learner who can work independently with minimal guidance. The ideal candidate will have:- A bachelor's degree in business, management, finance, accounting, or a related field.
- 5 to 7 years of experience in corporate credit analysis, sovereign risk, or financial institutions.
- Knowledge of the banking, Fintech, and payment industries.
- Strong written and verbal communication skills.
- Attention to detail and the ability to draw clear conclusions from data.
- Excellent analytical and problem-solving skills.
- Ability to manage multiple tasks and focus on results.
- The ability to work under pressure and handle stressful situations, such as client failures and outstanding settlement cases.
- Readiness to respond to major risk matters outside regular hours.
- Excellent interpersonal and collaboration skills, with a professional and mature approach to relationship management.
- Advanced Microsoft Office skills, particularly in Excel.
- Proficiency in French is a plus.To be successful in this role, we are looking for someone who is flexible and independent, with a strong sense of initiative and creativity. A good team player who is self-motivated and adept at working collaboratively with the rest of the team, both globally and regionally, is also highly desirable.Additional InformationVisa 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.