Director, Working Capital Analysis & Supplier Acceptance, SME Europe

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

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, the Small and Medium Enterprise (SME) business aims to boost differentiated propositions that cater for SME‑specific needs through partnerships, data‑driven sales & customer engagement, and channel distribution with non‑traditional players such as SME wholesalers, ISVs and payment facilitators. The SME segment is 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

As Director of Working Capital Analysis, you will lead the strategy, analytics and execution of initiatives focused on improving supplier acceptance and adoption within SME ecosystems. The role 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

• Define and execute cash‑flow and 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 optimisation with clear ROI for the parties involved.
• Develop supplier and vertical‑specific business cases to improve cash‑flow and working‑capital, including DPO, 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) using internal and external data.
• 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.
• Partner closely with MA sales, risk, compliance, product and operations teams to shape acceptance tools, onboarding journeys and incentive structures.
• Co‑develop solutions with SME suppliers, financial institutions and fintechs.
• Deliver executive‑level management reports, dashboards and insights that inform strategic decisions and opportunities (internal and external).

About You

• Bachelor’s degree in Business Administration, Finance or related field (Master’s degree preferred).
• Experience in working‑capital consulting, corporate or supply‑chain finance.
• Deep expertise in cash‑flow 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 and 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

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