Mastercard
Director, Working Capital Analysis & Supplier Acceptance, SME Europe
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Director, Working Capital Analysis & Supplier Acceptance, SME Europe
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.
Director, Working Capital Analysis & Supplier Acceptance, SME Europe
Who is Mastercard?
Mastercard is a global technology company in the payments industry. Our mission is to connect and power an inclusive, digital economy that benefits everyone, everywhere by making transactions safe, simple, smart, and accessible. Using secure data and networks, partnerships, and passion, our innovations and solutions help individuals, financial institutions, governments, and businesses realize their greatest potential.
Our decency quotient (DQ) drives our culture and everything we do inside and outside of our company. With connections across more than 210 countries and territories, we are building a sustainable world that unlocks priceless possibilities for all.
Overview: SME Europe
Mastercard’s Commercial & New Payment Flows (CNPF) business is focused on digitizing and scaling payment opportunities by capturing new payment flows, including B2B transactions. Within CNPF, Mastercard’s Small and Medium Enterprise (SME) business focuses on developing differentiated propositions that cater to SME-specific needs through Partnerships, Data-Driven Sales, Customer Engagement, and Channel Distribution—including collaboration with non-traditional players, such as SME Wholesalers, ISVs (Independent Software Vendors), and Payment Facilitators.
The SME segment represents a strategic priority, aiming to empower underserved businesses by:
- Simplifying payment acceptance and supplier payments
- Improving cash flow through innovative solutions
- Accelerating digital transformation
- Driving financial inclusion via strong partnerships with banks, fintechs, and platform providers
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The Role
The Director of Working Capital Analysis will lead the strategy, analytics, and execution of initiatives focused on enhancing supplier acceptance and adoption within SME ecosystems. This role is critical to driving working capital efficiency across buyer-supplier networks by leveraging data-driven insights, financial modelling, and go-to-market strategies.
Positioned at the intersection of finance, payments, and commercial strategy, the 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 a Cash Flow & Working Capital optimisation strategy supporting Sales Teams and Customers in the SME supplier space on Virtual Card flows.
- Partner with Sales, Product, and Partnerships teams to design SME supplier acceptance strategies that:
- Improve supplier penetration
- Enhance transaction flows
- Act as a thought leader on:
- SME liquidity challenges
- Supplier enablement
- Working capital optimization (with clear ROI for all parties).
SME Supplier Working Capital Analysis & Performance Reporting
- Develop supplier and vertical-specific business cases to improve:
- Cash flow
- Working Capital (e.g., Days Payable Outstanding (DPO), Days Sales Outstanding (DSO))
- Overall liquidity for SME buyers and suppliers.
- Quantify and benchmark the working capital benefits of payment solutions (e.g., virtual cards, supply chain finance) using internal and external data.
Supplier Acceptance & Ecosystem Development
- Drive initiatives to increase SME supplier acceptance of digital payments across key verticals, particularly Wholesale Trade.
- Identify barriers to adoption (e.g., cost sensitivity, operational complexity, regulatory constraints) and design mitigation strategies.
- Support SME suppliers in enabling buyers to adopt modern payment methods.
Cross-Functional Collaboration
- Partner closely with:
- Mastercard Sales
- Risk
- Compliance
- Product
- Operations teams to shape:
- Acceptance tools
- Onboarding journeys
- Incentive structures
- Collaborate with:
- SME suppliers
- Financial institutions
- Fintechs to co-develop solutions.
- Deliver executive-level reports, dashboards, and insights to inform strategic decisions and opportunities (internal and external).
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About You
Experience & Education
- Bachelor’s degree in Business Administration, Finance, or related field (Master’s degree preferred).
- 10+ years of experience in:
- Working capital consulting
- Corporate or supply chain finance
- Deep expertise in cash flow and working capital optimization (DPO, DSO, etc).
- Proven experience in SME ecosystems, supplier enablement, or B2B payments (preferably with:
- Payment networks
- Financial institutions
- High-growth fintechs).
Technical & Functional Skills
- Strong understanding of:
- Digital payments
- Card acceptance
- AP/AR automation
- Supply chain finance solutions
Soft Skills & Competencies
- Strategic Thinking: Ability to link data insights to business outcomes.
- Analytical Excellence: Advanced skills in data interpretation and storytelling.
- Commercial Acumen: Translate 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 fast-paced environments.
- Team Player: Embrace the Mastercard Way.
Corporate Security Responsibility
All activities involving access to Mastercard’s assets, information, or networks come with inherent risk. 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 all accessed information.
- Report any suspected security violations or breaches.
- Complete all periodic mandatory security trainings per Mastercard’s guidelines.
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