Credit Risk Analyst

Calling all innovators – find your future at Fiserv.

We’re Fiserv, a global leader in Fintech and payments, and we move money and information in a way that moves the world. We connect financial institutions, corporations, merchants, and consumers to one another millions of times a day – quickly, reliably, and securely. Any time you swipe your credit card, pay through a mobile app, or withdraw money from the bank, we’re involved. If you want to make an impact on a global scale, come make a difference at Fiserv.

Job Title

What does a successful credit risk analyst do at FISERV ?

• A self-starter, to perform tasks with autonomy and make decisions.
• An analytical mindset to learn and understand different business models and assess the potential risks
• Collaborate with internal and external stakeholders to drive the consensus on risk approach

What will you do:

• Credit Risk Analyst role is an APAC level role which will include markets like India, Australia, South East Asia (HK, Singapore, Malaysia)
• Perform credit analysis and underwriting for prospective accounts
• Review credit history to assess credit worthiness of new prospective clients. Ensures a balanced risk and revenue trade-off consistent with credit policy and loss target expectations.
• Apply credit risk guidelines, policies and procedures in letter and spirit. Also conduct periodic reassessment of the policies and procedures based on the industry trends and portfolio performance.
• Manage the existing key merchant/partner portfolio to analyse/mitigate potential risk on periodic basis.
• Monitor operational performance on accounts and make a real time decision with respect to the potential risk/mitigants on the relationships
• Investigations include the gathering of data from various sources & systems and interpreting the data to manage the risk.

What will you need to know:

• Ability to understand and evaluate financial statements comprehensively
• Ability to apply risk management concepts; collect and analyse exposure and loss data, respond efficiently and effectively to internal and external requests.
• A successful analyst must have the ability to work in a fast-paced environment, be able to make real time / accurate decisions and manage/mitigate potential risks in the portfolio
• Role needs good verbal and written communication skills to manage internal stake holders and external stake holders i.e. business team, legal team, compliance team and customers.
• Time management skills well as good negotiation ability is must.

What would be great to have:

• Background in payment industry or fintech company
• Data analytics
• Prior experience in risk management

Thank you for considering employment with Fiserv. Please:

• Apply using your legal name
• Complete the step-by-step profile and attach your resume (either is acceptable, both are preferable).

Our commitment to Diversity and Inclusion:

Fiserv is proud to be an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, national origin, gender, gender identity, sexual orientation, age, disability, protected veteran status, or any other category protected by law.

Note to agencies:

Fiserv does not accept resume submissions from agencies outside of existing agreements. Please do not send resumes to Fiserv associates. Fiserv is not responsible for any fees associated with unsolicited resume submissions.

Warning about fake job posts:

Please be aware of fraudulent job postings that are not affiliated with Fiserv. Fraudulent job postings may be used by cyber criminals to target your personally identifiable information and/or to steal money or financial information. Any communications from a Fiserv representative will come from a legitimate Fiserv email address.