Credit Risk Analyst

Found in: Appcast Linkedin IN C2 - 2 weeks ago

Thane, India Fiserv Full time

What does a successful Credit 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
  • At least 2 years of work experience in risk management or a related field.
  • Preferred experience in analyzing data using tools like Excel, VBA, SQL, and Python.
  • Prior experience in risk management

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