Job Title

Job Title: Sr. Professional Credit/ Risk What does a successful Credit Risk Analyst do at FISERV ? Credit Risk analyst will help to enhance our credit risk management strategies related to merchant acquiring. The ideal candidate will play a crucial role in assessing and mitigating credit risk while ensuring our merchants are supported in their payment processing needs. What will you do: • Credit Risk Assessment: Conduct thorough credit evaluations of potential and existing merchants to assess their creditworthiness and financial stability, utilizing various credit-scoring models and analytical techniques. • Monitoring and Reporting: Develop and maintain ongoing monitoring processes for merchant portfolios, ensuring timely identification of emerging risks and regular reporting of credit risk metrics to senior management. Monitor credit risk exposure on merchants and at portfolio level, ensure compliance with internal Credit & Risk policies and external regulatory requirements • Risk Mitigation Strategies: Design and implement strategies to mitigate identified risks, including establishing credit limits, collateral requirements, and monitoring merchant transaction behaviors. • Compliance and Regulatory Oversight: Ensure that merchant acquiring activities comply with relevant laws and regulations, particularly concerning credit risk management practices. • Cross-Functional Collaboration: Work closely with sales, operations, and fraud prevention teams to develop comprehensive risk management solutions that align with business objectives. • Market Analysis: Stay updated on acquiring industry trends, market conditions, and regulatory changes to identify potential impacts on merchant credit risk. • Client Support: Provide guidance and support to merchants on credit-related inquiries, addressing concerns and fostering a positive relationship while ensuring compliance with risk requirements. What will you need to know: • Minimum of 5 years of experience in credit underwriting and transaction monitoring within the merchant acquiring or payments industry. • Strong analytical, critical thinking, and problem-solving skills, with a proactive approach to identify opportunities for improvement. • Exceptional communication skills, both written and verbal, enabling the effective articulation of complex analyses and strategies to non-technical stakeholders. • Ability to work effectively in a team-oriented environment while also functioning independently. What would be great to have: • MBA (Finance), Risk Management, or a related field; a Master’s degree is preferred. • A commitment to continuous improvement and innovation in credit decision-making and risk management processes. • Proficient in data analysis and reporting software; familiarity with risk management systems is preferred.