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 Analyst, Customer Credit Management-2 Overview We are seeking an Analyst to join our Brazil Customer Risk Management (CRM) team. This role is based in Sao Paulo and will support Mastercard's credit and counterparty risk management activities across Brazil. The Analyst will be responsible for credit B2B, Brazillian market, identifying, monitoring and managing credit risk for assigned markets in accordance with Mastercard's policies and procedures, including the CRM Procedures of the Credit Risk Policy. Mastercard manages approximately USD 90B in credit exposure globally, making CRM a key component of our evolving and rapidly growing business model. This role provides strong development opportunities through regular engagement with internal teams such as Account Management, Franchise, Product, and with external partners, including issuers and acquirers. Role Responsibilities The primary responsibility is to ensure counterparty risk for assigned markets is identified, assessed, managed, and mitigated in line with Mastercard's policies, procedures, and risk appetite framework. Responsibilities include: - Credit B2B - Serve as the first point of contact for customer-specific CRM matters. - Implement risk policies and controls to minimize potential credit losses while supporting business initiatives. - Manage credit risk for the regional portfolio on both individual and portfolio levels. - Provide data analysis and support strategy execution related to customer risk management. - Support development and enhancement of risk processes, including alternative risk mitigation solutions. - Coordinate CRM requirements in customer onboarding processes to ensure timely activation. - Prepare external and internal CRM reporting (e.g., central bank filings, audit committee materials, ad hoc reports). - Contribute to cross-functional initiatives requiring credit risk analytics and insights. - Participate in process improvement efforts and sharing of best practices. This role requires strong technical knowledge of credit analysis/underwriting, along with familiarity with Mastercard's business model, systems, tools, and relevant data sources. About You - Bachelor's or graduate degree in business, economics, finance, accounting, or a quantitative field (preferred). - Experience in credit risk assessment and financial statement analysis; experience or knowledge of the banking sector in Brazil is beneficial. - Strong decision-making, influencing, and stakeholder management skills. - Ability to work with accuracy, ownership, and a sense of urgency. - Proficiency in Excel, Word, and PowerPoint. - Collaborative mindset and commitment to maintaining a positive and professional working environment. 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 with Mastercard's guidelines.

• Definire e implementare piani di gestione per i diversi progetti, garantendo una comunicazione chiara e trasparente tra tutti gli stakeholder coinvolti (management, team di sviluppo, operation, ecc.) • Raccogliere, analizzare e progettare requisiti funzionali per strumenti e sistemi, assicurandone fattibilità, applicabilità e usabilità • Supervisionare l’introduzione e l’implementazione di nuove tecnologie e sistemi, seguendone l’intero ciclo progettuale • Collaborare trasversalmente con tutte le funzioni aziendali per sviluppare analisi e documentazione in maniera strutturata ed efficace • Analizzare e monitorare costantemente i requisiti di sistema, garantendo il corretto mantenimento dei processi e fornendo aggiornamenti periodici alle parti interessate • Redigere, aggiornare e mantenere documentazione tecnica interna ed esterna, definendo requisiti funzionali e operativi • Costruire e mantenere relazioni solide con partner terzi per favorire integrazioni efficienti e ottimizzare i processi di sistema • Supportare manager e stakeholder attraverso analisi, ricerche e raccomandazioni orientate al miglioramento continuo

Role Description Supports the Consumer Health Commercial Operations within the APAC time zone on a need-by-need and project basis. This includes the local/global finance support but also project-related work to drive forward the transformation for digitalization (incl. automated forecasting/planning) as well as insight generation on how to drive more efficiencies in countries. - Responsible for delivering on financial targets by providing reliable financial steering (alignment operational/financial planning, target setting, resource allocation, deviation analysis, mitigation plans). - Closely partners with various stakeholders and leadership teams to ensure financial performance according to targets and drive strategic and operational agenda. - Ad-hoc support on financial tasks, including but not limited to planning, forecasting, financial steering, process design, and alike. - Drive forward transformation in financial tasks through digitalization, e.g. automated planning/forecasting. - PBS Country Ambassador / Change Agent to prepare country profile, provide updates on activation status, share insights, roadblocks & feedback, and schedule, prepare and conduct cross-country exchange sessions. - Collaborate with APAC PS, exploring PBS options for ASIA Countries. - Investment efficiency spending overview (RoiX): Coordinate with Local Country teams and Work Team to prepare for RoiX rollout including master data alignment, brand intersection alignment, acknowledgment workflow. Qualifications - Bachelor’s degree, majoring in Finance or Accounting related. Master’s degree will be considered a plus. - Min 5-7 years relevant work (leadership) experience in respective industry / commercial operations. - Excellent analytical & conceptual skills, pro-active, structured. - Strong digital acumen with curiosity to try new things and drive digitalization. - Strong communication, cross-functional networking & inter-personnel skills to collaborate within the organization. - Positive attitude, pursuing goals with energy, drive, and determination - willing to go the extra mile. - Strong ability in multi-tasking & perform well under time pressure. - Able to deal with complex situations and tough deadlines. - Possess English proficiency (written and spoken). Requirements - Local regulations and legal requirements vary per country of hire and will be discussed with considered candidates individually based on their potential of hire. - This position requires full vaccination against COVID-19 for potential Canadian candidates. - Applications from employees in Germany who may be affected by personnel reduction will be treated favorably from other candidates in Germany. - Bayer expects its employees to be fully vaccinated against COVID-19 for potential US candidates. Benefits - Bayer is an Equal Opportunity Employer/Disabled/Veterans. - Bayer is committed to providing access and reasonable accommodations in its application process for individuals with disabilities.

• Manages small to intermediate-sized projects or multiple parts of larger more complex projects with an increasing amount of responsibility. • Participates in a variety of data collection activities, e.g. note taking, transcribing, field-based observation and interviews. • Organizes data using appropriate tools, e.g., Excel, R, Python, SPSS. • Performs a wide range of analytical tasks, data handling and analyses. • Provides oversight and guidance to junior staff on expected data handling and analysis methods. • Beginning to represent the firm by participating in public hearings, presentations and meetings with clients and partners. • Acts as a mentor to junior staff, doing just-in-time coaching on various skills needed to advance.