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.

Title and Summary

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, or 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 is focused on Boosting differentiated propositions that cater for SME specific needs including through Partnerships, Data Driven Sales & Customer Engagement, and Channel Distribution with non-traditional players include SME Wholesalers, ISVs 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, fostering digital transformation, and driving financial inclusion through strong partnerships with banks, fintechs, and platform providers.

The Role The Director of Working Capital Analysis will lead the strategy, analytics, and execution of initiatives focused on improving supplier acceptance and adoption within SME ecosystems. This role is critical in driving working capital efficiency across buyer-supplier networks by leveraging data-driven insights, financial modelling, and go-to-market strategies that expand digital payment acceptance and optimize liquidity for small and medium-sized enterprises (SMEs). The position sits at the intersection of finance, payments, and commercial strategy, translating complex working capital dynamics into scalable solutions that accelerate supplier onboarding, improve cash conversion cycles, and unlock value for both buyers and suppliers.

Key Responsibilities

1. Strategy & Leadership

   • Define and execute Cashflow & 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 and transaction flows.
   • Act as a thought leader on SME liquidity challenges, supplier enablement, and working capital optimization with clear ROI for the parties involved

2. SME Supplier Working Capital Analysis & Performance reporting

   • Develop supplier and vertical specific business cases to improve Cashflow and Working Capital including but not limited to Days Payable Outstanding (DPO), Days Sales Outstanding (DSO), and overall liquidity for SME buyers and suppliers.
   • Quantify and benchmark working capital benefits of various payment solutions (e.g. virtual cards, supply chain finance, etc) utilizing internal & external data

3. Supplier Acceptance & Ecosystem Development

   • Drive initiatives to increase SME supplier acceptance of digital payments across key verticals including Wholesale Trade.
   • Identify barriers to supplier adoption (cost sensitivity, operational complexity, regulatory constraints) and design mitigation strategies.
   • Support SME suppliers in enabling their buyers to adopt modern payment methods.

4. Cross Functional Collaboration

   • Partner closely with MA Sales, Risk, Compliance, Product and Operations teams to shape acceptance tools, onboarding journeys, and incentive structures.
   • Partner with SME suppliers, financial institutions and fintech to co-develop solutions.
   • Deliver executive level management reports, dashboards and insights that inform strategic decisions and opportunities (internal & external).

About You

• Bachelor degree in Business Administration, Finance, etc (Master degree preferred)

• 10+ years in working capital consulting, corporate or supply chain finance

• Deep expertise in cashflow and working capital optimisation (DPO, DSO, etc)

• Proven experience in SME ecosystems, supplier enablement, or B2B payments. Experience in payment network, financial institution or high-growth fintech is a plus.

• Strong understanding of digital payments, card acceptance, AP/AR automation, and supply chain finance solutions.

• 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 assets, information, and networks comes with an inherent risk to the organization and, 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 the information being accessed;

• Report any suspected information security violation or breach, and

• Complete all periodic mandatory security trainings in accordance with Mastercard’s guidelines.