Description
Mastercard's Advisors & Consulting Services team combines traditional management consulting with Mastercard's rich data assets, proprietary platforms, and technologies to provide clients with powerful strategic insights and recommendations.
As a Senior Managing Consultant and P&L Optimization SME, you will help issuers and payments clients quantify product economics and make high-stakes decisions across card portfolios (consumer, small business, and commercial).
Responsibilities
- Lead complex client engagements across a range of industries and problem statements
- Direct the development of strategies and programs for regional and global clients by leveraging data and technology solutions to unlock client value
- Interface with client executives and functional leaders across product, finance, marketing, credit risk, loyalty, and operations to achieve commercial success
- Serve as a trusted, credible client business advisor and generate enthusiasm for the Mastercard team and our recommendations
- Lead end-to-end profitability and business casing engagements for credit card products, including new product launches and portfolio optimization
- Guide development of client-ready P&L and business case models with documented assumptions and sensitivities
- Synthesize quantitative and qualitative analyses into clear recommendations; craft executive-ready storylines and slides that drive decisions
- Direct client data requests; oversee data transformation, validation, and analysis to identify the drivers of revenue, cost, risk, and retention
- Evaluate strategic options such as co-brand and loyalty constructs, value proposition changes, channel strategies, and agent banking considerations where relevant
Team Collaboration & Culture
- Guide team through complex problem solving to business-focused solutions and recommendations that drive client value
- Motivate the project delivery team to produce superior quality deliverables, and create a collaborative and inclusive environment for all levels
- Own relationship with internal Mastercard stakeholders including Product and Business Development to scope projects, create relevant solutions for clients, and build the firm's intellectual capital
- Lead on-the-job training, coaching, and mentorship to both direct and outside team members
- Team enablement through templates, playbooks, and coaching
- Support business development and account teams to shape scope, value proposition, and commercial conversations
- Improve the consistency and defensibility of modeling assumptions, documentation, and QA across the team
- Coach and develop junior team members through structured feedback and on-the-job training
Qualifications
- 12+ years of experience in credit card product performance and profitability modeling across products (consumer, small business, and commercial), credit segments, and acquisition channels
- Deep understanding of key profitability drivers, how to evaluate a P&L for strategic risks and opportunities, and the card issuance value chain (including product management, marketing, credit risk policy/strategy, and operations)
- Excellent problem-solving capabilities to structure ambiguous problems, develop pragmatic hypotheses, and lead the team to actionable, client-ready recommendations
- Strong quantitative skills, financial/statistical/data analysis skills, and attention to detail
- Able to proactively identify opportunities to expand impact through P&L optimization, cross-sell, and strong partnership with Services commercial teams
- Strong communication & presence to be able to communicate complex analysis clearly in writing and in executive discussions; create compelling storylines that position Mastercard as a high-value partner with mid and executive-level client stakeholders
- Strong project management discipline to lead delivery across multiple workstreams,scope, timeline, team cadence, and quality,while being able to anticipate risks and manage stakeholders
- Proven people and delivery leadership across multiple projects; ability to multitask in a fast-paced, deadline-driven environment
- Undergraduate degree with work experience in corporate strategy, business intelligence, business line management, business finance, and/or product management
- Experience generating new knowledge or creating innovative solutions
- Advanced Excel, PowerPoint, Word skills
- Ability to communicate effectively in English and the local office language (if applicable)
- Eligibility to work in the country where you are applying, as well as apply for travel visas as required by travel needs
- Ability to travel to client sites on a semi-regular basis