Senior Manager, Risk and Credit Finance

Senior Manager, Risk and Credit Finance – Santa Ana, Costa Rica

Are you interested in joining a globally diverse organization where our unique contributions are recognized and celebrated, allowing each of us to thrive? Then, it’s time to join Western Union as a Senior Manager, Risk and Credit Finance.

Western Union powers your pursuit.

In this role, you will be responsible for ensuring seamless business strategy execution within functions/markets in scope, implementing high-end smart data driven solutions to enable planned business growth while managing overall credit risk exposure, regulatory/reputational risks, delivering expected business results in line with Finance/Business Plan to key Business stakeholders.

Role Responsibilities

• Provide leadership, planning and direction business unit(s), maintains budgets and effectively allocates resources to support functions in scope. Having full management responsibility for professionals and/or managers performs all duties inherent in a managerial role or managing projects or process, primarily for North America, LACA & Oceania retail business.
• Serves strategic business partners with key stakeholders including Business, Product, IT, Settlement/Accounting, others, ensuring seamless execution of business strategy, key initiatives and best in class debt collections support to our Agents & Business partners.
• Oversee efficiency & cost-effectiveness of operating systems and programs supporting NA B2B & LACA Master Agents Debt Collections within Finance Operations organization.
• Responsible for driving process optimization/automation & support objectives consistent with strategic goals & standards.
• Enhance service quality, ensure compliance with operating standards, and provide training to optimize service delivery, supporting business growth while managing credit risk exposure.
• Analyzes business risks & opportunities and recommends data driven solutions.
• Key player in enterprise wise complex risk collections & related projects.

Role Requirements

• 5+ years of financial industry, Finance Operations including OTC relevant experience
• MBA Business Administration, Finance, Operations, Math or similar is must
• Experience in Retail Business serving North America & LACA markets
• Experience in developing & maintaining sustainable business relationships with key stakeholders including Product, IT, Settlement/Accounting, Business teams
• Knowledge of Retail, Digital & Omni-channel products, including but not limited to money transfer, money order, bill payments, digital wallets, pay-out, etc.
• Proven experience in successfully managing & leading high-performance teams
• Solid experience in developing smart data analytics driven business models
• Solid experience in developing automation solutions & process redesign
• Data modelling & analytics skills are highly desired.

      

We make financial services accessible to humans everywhere. Join us for what’s next.

Western Union is positioned to become the world’s most accessible financial services company —transforming lives and communities. We’re a diverse and passionate customer-centric team of over 8,000 employees serving 200 countries and territories, reaching customers and receivers around the globe. More than moving money, we design easy-to-use products and services for our digital and physical financial ecosystem that help our customers move forward.

Just as we help our global customers prosper, we support our employees in achieving their professional aspirations. You’ll have plenty of opportunities to learn new skills and build a career, as well as receive a great compensation package. If you’re ready to help drive the future of financial services, it’s time for Western Union. Learn more about our purpose and people at https://careers.westernunion.com/.

Benefits

You will also have access to short-term incentives, multiple health insurance options, accident and life insurance, and access to best-in-class development platforms, to name a few (https://careers.westernunion.com/global-benefits/). Please see the location-specific benefits below and note that your Recruiter may share additional role-specific benefits during your interview process or in an offer of employment.

Your Costa Rica- specific benefits include:

• Asociación Solidarista
• In-house company doctor services
• Transportation services options
• Referral Program award
• Employee Resource Groups (ERG) and committees to volunteer with
• Pan American Medical and Life insurance
• Cafeteria Discounts

Western Union values in-person collaboration, learning, and ideation whenever possible. We believe this creates value through common ways of working and supports the execution of enterprise objectives which will ultimately help us achieve our strategic goals. By connecting face-to-face, we are better able to learn from our peers, problem-solve together, and innovate.  

Our Hybrid Work Model categorizes each role into one of three categories. Western Union has determined the category of this role to be Hybrid. This is defined as a flexible working arrangement that enables employees to divide their time between working from home and working from an office location. The expectation is to work from the office a minimum of three days a week. 

We are passionate about diversity. Our commitment is to provide an inclusive culture that celebrates the unique backgrounds and perspectives of our global teams while reflecting the communities we serve. We do not discriminate based on race, color, national origin, religion, political affiliation, sex (including pregnancy), sexual orientation, gender identity, age, disability, marital status, or veteran status. The company will provide accommodation to applicants, including those with disabilities, during the recruitment process, following applicable laws.

#LI-GV1 #LI-Hybrid

Estimated Job Posting End Date:

11-12-2025

This application window is a good-faith estimate of the time that this posting will remain open. This posting will be promptly updated if the deadline is extended or the role is filled.