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

Credit Risk Analyst

What does a successful Credit Risk Analyst do at Fiserv The Fiserv Credit Risk Organization is responsible for managing the risk throughout the lifecycle of the firm's products and services. This is an exciting and fast paced organization where your contributions as a Credit Risk Manager can significantly impact Fiserv's bottom line. Manage a portfolio of merchant accounts in the high risk and high volume segment, including but not limited to, travel, furniture, e-commerce, membership, consumer discretionary sectors, etc. in the middle market and enterprise space. Assist Credit Director of the portfolio with merchant escalations and adverse actions.Act as team lead in the absence of the Credit Director. Prepare and present reporting for senior leaders with a focus on key merchant/industry KPI's including liquidity, leverage, financial performance, processing performance, key competitors, emerging risks, macro impacts, regulatory risks, compliance risks, etc. Determine appropriate risk mitigation strategies for problematic accounts – collateral actions, exit strategies, contract restructurings, etc. Engage with internal and external stakeholders in legal, relationship management, chargeback operations, bank partners, sales, etc to drive actions forward in a timely fashion to ultimately prevent/mitigate credit losses to Fiserv. Basic Qualifications for Consideration: Willingness to roll up the sleeves to dive into details as a solo contributor or as a part of a team and share knowledge with colleagues. Must be organized, intuitive and an analytical thinker, with the ability to perform detailed credit and data analysis in a fast paced environment. Strong written, oral and interpersonal skills a must including a strong ability to explain and/or present analysis to senior management, bank partners, external stakeholders, legal and ultimately our merchants. Strong financial analysis skills with an emphasis on reading Business Financial Statements. Strong business judgement with demonstrated ability to think strategically and creatively. Excellent negotiation and selling skills. Must be timely with tasks and proactive by seeking out solutions and problem resolution. Proficiency in PowerPoint, Excel, Word and comfortable learning and aid in developing new internal systems. Preferred Skills, Experience, and Education: Preferred education: Bachelor's degree in Business Management, Finance, Economics, Statistics or related quantitative discipline. Preferred experience: 3+ years of proven credit risk experience in middle market / corporate bank lending, merchant acquiring risk focused on middle market / enterprise clients and/or asset based lending.

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