Credit and Risk Associate

3 weeks ago

Thane, India Fiserv, Inc. Full time

**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 and Risk Associate

**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 (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.
- 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
- 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

Thank you for considering employment with Fiserv. Please:

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

**What you should know about us**:
Fiserv is a global fintech leader with 40,000-plus (and growing) associates proudly serving clients in more than 100 countries. As a FORTUNE 500 company, one of Fast Company’s Most Innovative Companies, and a top scorer on Bloomberg’s Gender-Equality Index, we are committed to excellence and purposeful innovation.

**Our commitment to Diversity and Inclusion**:
**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.

If you see suspicious activity or believe that you have been the victim of a job posting scam, you should report it to your local law enforcement.

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