Analyst Csr, South Africa

Company Description

Visa is a world leader in digital payments, facilitating more than 215 billion payments transactions between consumers, merchants, financial institutions and government entities across 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.

When you join Visa, you join a culture of purpose and belonging - where your growth is priority, your identity is embraced, and the work you do matters. We believe that economies that include everyone everywhere, uplift everyone everywhere. Your work will have a direct impact on billions of people around the world - helping unlock financial access to enable the future of money movement.

**Join Visa: A Network Working for Everyone.**

**Job Description**:
The CSR Analyst will be part of CEMEA Risk team managing credit & settlement risks associated with banks, non-financial organizations, credit unions, Fintech companies (including startups), microfinance institutions and various payment schemes across CEMEA region.

He/she will be responsible for management of REACT (Risk Exposure & Authorizations Controlling Tool). This credit risk management system allows to monitor authorizations and throttle/stop transactions when risk thresholds are reached for specific clients and group of BINs.

The incumbent will work closely with internal and external stakeholders such as Country teams, Strategic Partnership, Risk managers, Licensing and Treasury, and will also provide support for the CEMEA Credit Settlement Risk team with various types of reporting and analytics. This position will report directly to the Senior Director, CEMEA Head of Credit Settlement Risk.

**Responsibilities**:

- Credit risk monitoring of a portfolio of existing Clients, and the credit risk analysis and recommendation of new Clients.
- Determining which clients/prospective clients are likely to fail, and if so, what steps should be taken to safeguard the Visa Corporation, and which are likely to succeed to become market leaders. This requires institutional risk research, analysis, rating, and forecasting, of new and existing clients and third-party service providers, within the countries that comprise their portfolio.
- Compiling and analysing complex datasets and producing informative reports in excel / graphs/ pivot tables / presentations.
- Country (sovereign) risk research, analysis, rating, and forecasting, of the countries in an allocated portfolio. This includes the development of expert knowledge of the banking systems in which their clients operate and knowledge of the credit and systemic risks inherent in those systems.
- Establishing new clients in REACT, analyzing clients’ volume trends in various systems to determine an appropriate level of decline / informational alerts.
- Daily manual adjustment of REACT decline limits to unsettled positions.
- Researching countries and banks/companies to assist Visa in growing and developing its global market leadership.
- Preparing reports for senior management and Global Credit Settlement Risk.
- Excellent internal customer service to ensure SLAs are met in a timely and thoughtful manner.
- Supporting the overall CEMEA Risk Management and Regional Management in achieving specified strategic and operational objectives.
- Close cooperation with other diverse areas of Visa, including the Business Development, Strategic Partnership, Operations, Licensing, Legal and Risk Management departments, and with other regions and with Global Credit Settlement Risk.

To be successful in this role, we are looking for someone that is flexible and independent with a strong sense of initiatives and creativity, but also a good team player who is self-motivated and adept at working collaboratively with the rest of the team globally and regionally.

**Qualifications**:
Master’s degree in business, management, finance, accounting, or related field.
At least 5 to 7 years of relevant experience in analyzing corporate counterparty credit, sovereigns, and financial institutions. 
Familiarity with the banking and Fintech sectors as well as the payment industry.
Excellent written and oral communications skills.
Strong attention to detail with the ability to produce information and make clear, concise conclusions.
Heightened analytical and problem-solving skills, readiness to handle multiple tasks while focusing on results.
Ability and willingness to take initiative on new projects and work well in a team environment.
Ability to work under pressure and deal with stressful situations. 
Readiness to respond after-hours, weekends, and holidays to major risk matters.
Excellent interpersonal and collaboration skills, team player, approachable, professionally mature relationship management skills.
Advanced Microsoft Office skills, particularly Excel.

This is a hybrid