Credit Risk Analyst

Overview

Manage credit risk across a portfolio of high-risk, high-volume merchant accounts in the middle market and enterprise segment within Fiserv's Credit Risk Organization.

What you'll do

• Manage a portfolio of merchant accounts in the high risk and high volume segment, including but not limited to travel, furniture, e-commerce, membership and consumer discretionary sectors, in the middle market and enterprise space.
• Assist the 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 and industry KPIs including liquidity, leverage, financial performance, processing performance, key competitors, emerging risks, macro impacts, regulatory risks and compliance risks.
• Determine appropriate risk mitigation strategies for problematic accounts, such as collateral actions, exit strategies and contract restructurings.
• Engage with internal and external stakeholders in legal, relationship management, chargeback operations, bank partners and sales to drive actions forward in a timely fashion and prevent or mitigate credit losses to Fiserv.

What you'll need

• Willingness to roll up your sleeves to dive into details as a solo contributor or as part of a team, and share knowledge with colleagues.
• Organized, intuitive and analytical thinker with the ability to perform detailed credit and data analysis in a fast-paced environment.
• Strong written, oral and interpersonal skills, including a strong ability to explain and/or present analysis to senior management, bank partners, external stakeholders, legal and 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.
• Timely with tasks and proactive in seeking out solutions and problem resolution.
• Proficiency in PowerPoint, Excel and Word, and comfortable learning and aiding in the development of new internal systems.

Nice to have

• Bachelor's degree in Business Management, Finance, Economics, Statistics or a related quantitative discipline.
• 3+ years of proven credit risk experience in middle market or corporate bank lending, merchant acquiring risk focused on middle market or enterprise clients, and/or asset based lending.