Manager,CreditRisk

**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** ### Manager, Credit Risk ### Manager, Credit Risk Overview: The Manager, Credit Risk Oversight (Brazil) supports the Vice President Credit Risk in providing independent Second Line of Defense oversight of credit risk across the Brazil portfolio. The role is responsible for day-to-day oversight activities, analysis, and challenge across credit risk frameworks, risk rating processes, portfolio monitoring, and first line credit risk controls. The role contributes to regulatory engagement, governance forums, and ongoing enhancement of Brazil credit risk standards. Role: Credit Risk Oversight & Challenge • Perform Second Line oversight of credit risk activities executed by the First Line of Defense and as established by MA in accordance with Regulation 522 • Review credit proposals, portfolio metrics, and risk reports to ensure alignment with local and global credit risk policy and risk appetite • Provide effective challenge on underwriting decisions, risk assessments, and control effectiveness • Support escalation of material issues, breaches, or emerging risks to the Vice President, Credit Risk Risk Rating Framework & Methodology Support • Support oversight of the Brazil Credit Risk Assessment Framework, including methodology application and controls • Review risk rating outcomes, overrides, and undertake back-testing to adhere to the credit risk standards • Conduct semi-annual adequacy test of the Credit Risk Framework, in line with MA Brazi