# Director, SME Specialist Sales – Germany

**Company**: Mastercard
**Location**: Frankfurt
**Experience**: senior
**Job type**: full-time
**Category**: Sales
**Industry**: Finance

**Apply**: https://mastercard.wd1.myworkdayjobs.com/en-US/CorporateCareers/job/Frankfurt-Germany/Director--SME-Specialist-Sales---Germany_R-280975?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply
**Canonical**: https://yubhub.co/jobs/job_232e3ed2-8bf

## Description

Mastercard is seeking a commercially driven Director to lead SME Specialist Sales execution across wholesale trade verticals in Germany.

The role is accountable for identifying, developing and converting high-value B2B payment flows, from Small and Medium Business to Wholesale trade industry suppliers into carded flows.

Key Responsibilities:

- Own and execute the SME Whole Sale trade plan for Germany, aligned to the European GDV growth strategy.

- Build and convert a high-quality pipeline of wholesale trade and B2B payment opportunities.

- Identify invoice-based, account-to-account and manual payment flows where Mastercard solutions can drive card adoption and incremental GDV.

- Support complex deal origination, business case development, partner negotiation and commercial execution.

Market Coverage & Local Execution:

- Develop market-specific sales plays for Germany, reflecting local payment behaviours, regulation, issuer priorities and SME needs.

- Partner with country teams to prioritise target verticals, accounts and ecosystem partners.

- Build trusted relationships with banks, fintechs, acquirers, ERP/accounting platforms and relevant trade ecosystem participants.

Client Value Proposition:

- Position Mastercard solutions as tools to improve payment efficiency, reduce manual collections activity and support working capital optimisation.

- Engage with CFOs, Treasurers, Heads of AR/Collections and finance operations stakeholders to demonstrate commercial value.

- Create practical business cases showing impact on DSO, cost-to-collect, cash conversion and supplier/customer payment experience.

Wholesale Trade & SME Segment Expertise:

- Develop deep insight into wholesale trade value chains across Germany, including distributors, suppliers and high-volume B2B merchants.

- Identify repeatable sales motions where card solutions can replace or complement A2A, bank transfer, direct debit and manual processes.

Required Qualifications:

- Experience in payments, AR/AP Wholesale trade industries, financial services, fintech, SME banking, B2B sales or working capital solutions.

- Demonstrated ability to deliver commercial growth, manage complex pipelines and execute multi-stakeholder deals.

- The ability to create value propositions, based on working capital metrics, from card based economics.

- Strong understanding of B2B payment flows, invoice cycles, AR/AP processes and working capital levers.

What We Offer:

- A high-impact commercial role focused on three of Mastercard’s most important European SME markets.

- The opportunity to shape how Mastercard grows in B2B, SME and wholesale trade payment flows.

- A visible role working across markets, partners and senior stakeholders to deliver measurable GDV growth.

## Skills

### Required
- B2B payments
- AR/AP
- Working capital solutions
- Card based economics
- Payment efficiency

### Nice to have
- ERP
- Accounting
- Invoicing
- Finance workflow platforms

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Source: [Apply at mastercard.wd1.myworkdayjobs.com](https://mastercard.wd1.myworkdayjobs.com/en-US/CorporateCareers/job/Frankfurt-Germany/Director--SME-Specialist-Sales---Germany_R-280975?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply)