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 Vice President, Credit Risk Vice President, Credit Risk Overview: This role provides senior, independent Second Line of Defense oversight of credit risk across the Brazil portfolio. The Vice President is accountable for Brazil credit risk governance, regulatory compliance, credit risk standards, and oversight of First Line credit risk management frameworks. The role represents Credit Risk at regulator, committee, and senior stakeholder forums, ensuring alignment between local regulatory requirements and global Credit Risk standards. Role: Credit Risk Governance & Oversight• Provide independent Second Line oversight of credit risk across Brazil as established by MA in accordance with Regulation 522• Ensure adherence to local and global risk appetite, policies, and standards, including first line Customer Risk Management adherence to the overall Credit Risk Framework• Maintain accountability for credit risk frameworks and governance documentation• Challenge and approve material policy exceptions• Align with global Credit policy, standards, guidance and local regulations Risk Rating Framework & Methodology• Oversee Brazil Credit Risk Assessment framework, credit stress testing, back-testing, and controls• Govern overrides and model performance monitoring• Oversee semi-annual adequacy test of the Credit Risk Framework, in line with MA Brazil Credit Policy and Central Bank expectations• Own local standards for rating methodologies and Expected Loss• Explore the use of technology enhancements to improve and streamline the operationalization of the credit risk assessment framework Portfolio & Risk Appetite Oversight• Provide oversight of portfolio performance, concentrations, and emerging risks• Monitor portfolio metrics against approved risk appetite and tolerance levels• Ensure timely escalation of material risk deterioration and forward-looking risk concerns• Acting under relevant delegated authority, review and approve customer unwriting proposed by the first line of defense Regulatory & Stakeholder Engagement• Act as the senior Credit Risk representative for Brazil with local regulators and Brazil Risk Committee• Lead Credit Risk engagement during regulatory reviews, examinations, and audits• Partner with senior stakeholders across Business, Finance, Compliance, and Risk Leadership & Strategic Contribution• Provide senior leadership and direction within the Credit Risk function• Contribute to global and regional credit risk initiatives and framework enhancements• Support development of credit risk talent through mentoring and professional guidance Decision Making Authority• Approval authority for credit policy standards and exceptions• Escalation authority for breaches of risk appetite• Ownership of Brazil credit risk frameworks All About You: • Advanced credit risk management expertise across financial institutions and/or corporate portfolios• Deep understanding of Expected Loss frameworks including PD, LGD, EAD and stress testing• Strong knowledge of credit risk rating systems, model governance, and control frameworks• Executive-level communication and stakeholder management skills• Strong strategic and commercial mindset • Deep analytical and data-driven decision-making capability • Solid understanding of regulatory frameworks • Ability to balance growth and risk• 12-18+ years in [banking, payments, fintech, risk management]• Proven experience in [credit risk strategy, portfolio management, analytics]• Experience operating across global or regional markets• Experience engaging regulators and governance forums• Leadership experience in regulated financial institutions• Proven ability to influence in a matrix organization • Comfortable operating in ambiguity and driving change • Strong stakeholder management at executive level • Demonstrated inclusive leadership style• Acts as a role model for risk culture, governance discipline, and ethical decision-making• Exercises independent judgement while constructively challenging the First Line• Demonstrates accountability, resilience, and sound professional judgement Education & Qualifications• Bachelor's degree required • Advanced degree preferred (MBA, MSc, etc.) • Relevant certifications (CFA, FRM, etc.) 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.

• Design, implement, and mature a scalable Enterprise Risk Management framework to identify and prioritize top global enterprise risks • Monitor and analyze complex emerging risks including artificial intelligence, cybersecurity adjacencies, regulatory shifts, and geopolitical factors • Own and modernize the global Business Continuity Planning program and create responsive enterprise-wide crisis management playbooks • Provide strategic executive oversight for global safety, security standards, and the company's macro insurance and risk transfer strategy • Build a technology-enabled risk function by leveraging data analytics, automation, and AI to enhance risk visibility and executive decision-making

Role Description The Nurse Practitioner delivers annual risk assessment in a residential setting or telehealth, within the scope of practice for a Nurse Practitioner, as delegated by the Collaborative Physician. Essential Duties and Responsibilities - Conduct comprehensive in-home health risk assessments to identify all active and chronic disease conditions, as well as determine all physical, mental, and social needs present at the time of the visit. - Takes history, examines, determines diagnoses. - Provides written documentation of patient visit, per NCQA standards. - Takes patient vital signs, as necessary. - Places case management referrals and communicates with PCP as necessary. - Communicates with patients, caregivers, agency nurses, other providers and vendors as necessary to assure proper diagnosis. - Performs all clinical duties while observing OSHA Universal Precautions. - Maintains patient confidentiality. - Attends required meetings and in-services and participates in committees, as requested. - Participates in professional development activities and maintains professional licenses and affiliations. In this role you may work with: - Teammates - Physicians - Medical Staff - Patients - Caregivers - Agency Nurses - Providers - Vendors Qualifications - Active/unrestricted nurse practitioner license to practice in coverage states. - Board certification in one of the following: American Nurses Credentialing Center (ANCC), American Association of Nurse Practitioners (AANP) or National Commission on Certification of Physician Assistants (NCCPA). - Active BLS Certification. - Current enrollment in Medicare/Medicaid. - Must maintain a valid driver’s license and good driving record. - Outstanding EHR skills. Requirements - Geriatric training/experience. - Skill in teamwork and maintaining effective working relationships with patients, medical staff, and the public. Conditions of this role to be aware of - Adaptability to differing weather conditions and patients’ home/residential environments. - Full range of body motion including handling/lifting patients. Manual and finger dexterity, eye-hand coordination, normal visual acuity, normal hearing, standing, bending, walking and stair climbing. - Regular lifting/carrying items weighing up to 50 pounds. - Ability to ride in automobile or van up to 150 miles daily in urban and/or rural settings. Ability to drive, if necessary. Benefits - Accountable Care Organization. - 401K Retirement Plan. - Paid Orientation and Training. - Established in 11 states. - A+ rated malpractice coverage with tail coverage. - No holidays, no hospital rounds. - More details about the benefits we offer can be found at https://careers.harmonycares.com/benefits .

Role Description The Risk Mitigation Analytics Consultant (RMAC) will be an expert in Data Analysis and Integrity and be a mentor and teacher of the design and delivery of actionable analytics and reporting. The RMAC must possess knowledge of insurance program design, underwriting strategy, and skills in interpreting data to illuminate client and colleague comprehension with the overall goal of reducing Costs of Risk. The RMAC will lead and manage the day-to-day activities of Risk Mitigation Analysts and develop their technical and leadership skills while contributing to the strategic direction of Analytics and Marketing deliverables. Qualifications - Ability to effectively manage and lead day-to-day activities of Risk Mitigation Analysts. - Analyzing trends, determining courses of action, and presenting solutions. - Ability to motivate and influence colleagues and clients. - Works as part of a team of professionals and builds relationships with other firm business segments. - Communicates verbally and in writing to all levels of the firm and to a diverse group of clients. - Presents solutions, value propositions, and risk mitigation strategies to colleagues, clients, and prospects. - Reads and interprets documents such as profit and loss statements, safety rules, operating instructions, and procedure manuals. - Writes routine reports and correspondence. - Speaks effectively to groups of customers or colleagues. - AIC/SCLA/CPCU/ARM/LPC certification, professional designations are desired. - Knowledge and understanding of the Spanish language, a plus. - Strong computer skills including Microsoft Excel and Word. Requirements - Position requires PC knowledge and skill with Microsoft Word, Excel, PowerPoint, and Outlook. - Ability to quickly learn and use job-specific programs such as Sagitta, EPIC, BKS PRISM, Origami, Carrier Websites, Zywave, Loss Forecaster, Mod Master & GoToMeeting. - Occasional overnight travel as necessary depending on client needs. Benefits - Fast-paced, multi-tasking environment. - Travel may be required. Company Description The Baldwin Group is an award-winning entrepreneur-led and inspired insurance brokerage firm delivering expertly crafted Commercial Insurance and Risk Management, Private Insurance and Risk Management, Employee Benefits and Benefit Administration, Asset and Income Protection, and Risk Mitigation strategies to clients throughout the U.S. and abroad. The Baldwin Group takes a holistic and tailored approach to insurance and risk management.