Credit Risk Manager
About The Position
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. 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 Sr Credit Risk Manager can significantly impact Fiserv’s bottom line. Manage a portfolio 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. 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, etc to drive actions forward in a timely fashion to ultimately prevent/mitigate credit losses to Fiserv.
Requirements
- 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 an 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 business judgement with demonstrated ability to think strategically and creatively.
- Excellent negotiation and selling skills.
- Strong team work 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.
- Bi-lingual – English and French
Nice To Haves
- Preferred Education: Bachelor’s degree in Business Management, Finance, Economics, Statistics or related quantitative discipline.
- Preferred Experience: 2+ years of proven credit risk / underwriting experience in SMB, Middle Market, Corporate Bank Lending or Merchant Acquiring risk reviews.
Responsibilities
- Manage a portfolio 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.
- 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, etc to drive actions forward in a timely fashion to ultimately prevent/mitigate credit losses to Fiserv.
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What This Job Offers
Job Type
Full-time
Career Level
Manager
