Mastercard
Director, Working Capital Analysis & Supplier Acceptance, SME Europe
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Director, Working Capital Analysis & Supplier Acceptance, SME Europe
Director, Working Capital Analysis & Supplier Acceptance, SME Europe
About Mastercard
Mastercard powers economies and empowers people in 200+ countries and territories worldwide. Together with our customers, we’re helping to build a sustainable economy where everyone can prosper. We support a wide range of digital payments choices, making transactions secure, simple, smart, and accessible. Combining technology, innovation, partnerships, and networks, we deliver unique products and services that help individuals, businesses, and governments realize their greatest potential.
Mastercard’s mission is to connect and power an inclusive, digital economy that benefits everyone, everywhere. Using secure data, networks, partnerships, and passion, our innovations and solutions unlock benefits for individuals, financial institutions, governments, and businesses. Our commitment to decency – our decency quotient (DQ) – drives our culture and guides everything we do, both inside and at the heart of our communities.
Overview
SME Europe
Mastercard’s Commercial & New Payment Flows (CNPF) business is focused on digitising and scaling payment opportunities by capturing new payment flows, including B2B transactions.
Within CNPF, Mastercard’s Small and Medium Enterprise (SME) business concentrates on:
- Building differentiated propositions catering to the unique needs of SMEs
- Leveraging partnerships, data-driven sales, and customer engagement
- Strengthening channel distribution with non-traditional players, such as SME Wholesalers, ISVs, and Payment Facilitators
The SME segment remains a strategic priority, where Mastercard aims to empower underserved businesses through:
- Simplifying payment acceptance and supplier payments
- Improving working capital via innovative solutions
- Fostering digital transformation
- Driving financial inclusion through robust partnerships with banks, fintechs, and platform providers
The Role
The Director, Working Capital Analysis & Supplier Acceptance, SME Europe, will lead the strategy, analytics, and execution of initiatives designed to enhance supplier acceptance and adoption within SME ecosystems. This critical position drives working capital efficiency across buyer-supplier networks by leveraging:
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- Data-driven insights
- Financial modelling
- Go-to-market strategies that expand digital payment acceptance and optimize liquidity for SMEs
Rooted at the nexus of finance, payments, and commercial strategy, this role translates complex working capital dynamics into scalable solutions that:
- Accelerate supplier onboarding
- Improve cash conversion cycles
- Unlock value for both buyers and suppliers
Key Responsibilities
Strategy & Leadership
- Define and execute cash flow and working capital optimisation strategies, supporting Sales Teams and Customers in the SME supplier space, especially for Virtual Card flows
- Collaborate with Sales, Product, and Partnerships teams to design SME supplier acceptance strategies that:
- Increase supplier penetration
- Enhance transaction flows
- Act as a thought leader on:
- SME liquidity challenges
- Supplier enablement
- Working capital optimisation
- Ensure clear return-on-investment (ROI) scenarios for all stakeholders
SME Supplier Working Capital Analysis & Performance Reporting
- Develop supplier and vertical-specific business cases to improve Cashflow and Working Capital, with a focus on:
- Days Payable Outstanding (DPO)
- Days Sales Outstanding (DSO)
- overall liquidity for SME buyers and suppliers
- Quantify and benchmark working capital benefits of various payment solutions (e.g., virtual cards, supply chain finance) using internal & external data
Supplier Acceptance & Ecosystem Development
- Drive initiatives aimed at increasing SME supplier acceptance of digital payments across key verticals, including Wholesale Trade
- Identify barriers to supplier adoption, such as
- Cost sensitivity
- Operational complexity
- Regulatory constraints
- Develop and implement mitigation strategies for barriers identified
- Support SME suppliers in enabling their buyers to adopt modern payment methods
Cross-Functional Collaboration
- Partner closely with:
- Mastercard (MA) Sales team
- Risk, Compliance, Product, and Operations
- Shape acceptance tools, onboarding journeys,, and incentive structures
- Collaborate with:
- SME suppliers
- Financial institutions
- Fintechs to co-develop solutions
- Deliver executive-level management reports, dashboards, and insights that inform strategic decisions and opportunities for both internal and external stakeholders
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Requirements
About You
- A Bachelor’s degree in:
- Business Administration
- Finance
- A related field (Master’s degree preferred)
- 10+ years of experience in:
- Working capital consulting
- Corporate finance
- Supply chain finance
- Deep expertise in:
- Cash flow and working capital optimisation (e.g., DPO, DSO)
- Proven experience in:
- SME ecosystems
- Supplier enablement
- B2B payments
- Additional experience in payment networks, financial institutions, or high-growth fintech is an advantage
- Strategic Thinking: Ability to link data insights to business outcomes
- Analytical Excellence: Advanced proficiency in:
- Data interpretation
- Data storytelling
- Commercial Acumen: Structure insights into revenue-generating initiatives
- Leadership & Influence: Drive change across functions and stakeholders
- Communication: Simplify complex data into compelling narratives
- Execution Focus: Deliver actionable outcomes in high-speed environments
- Team Player: Embrace the Mastercard Way
Corporate Security Responsibility
Every employee and contractor responsibility includes adherence to Mastercard’s security policies. Individuals are expected to:
- Abide by Mastercard’s security policies and practices
- Ensure confidentiality and integrity of accessed information
- Report any suspected information security violation or breach
- Complete all mandatory periodic security trainings
"Everyone wants easier ways to pay; we invent them. Checkout lines are slow; we speed them along. Merchants want more sales; we give them data and insights. People need financial access; we connect them. Corporate purchasing is complicated; we make it simple. Commuters are busy; we speed them on their way. Governments need greater efficiencies; we help create them. Small businesses are virtual; we give them access to a world of buyers. Retailers want to fight fraud; we provide the tools."
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