Job Description

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

What does a successful Junior Credit Risk Analyst do at Fiserv?

As a Junior Credit Risk Analyst, you will be responsible for reviewing incoming merchant processing applications and conducting thorough assessments to inform decision-making. In this role, you will manage a queue of incoming applications, ensuring that each one is processed efficiently and in a timely manner. You will also leverage third-party resources to verify business operations and demographics, contributing to our commitment to risk management and operational excellence.

What you will do:

• Analyze credit risk data to identify trends and potential risk factors.
• Develop risk assessments and provide recommendations to mitigate risks.
• Monitor and evaluate the effectiveness of risk management policies and procedures.
• Manage your individual underwriting queue and make daily decisions on applications.
• Utilize sensitive information (credit reports, Lexis Nexis) to aid in decision-making.
• Communicate with sales partners, merchants, and processors to resolve risk and underwriting inquiries or issues.
• Review application documentation and reports to assess credit risk exposure to Fiserv and make sound decisions.
• Assist with short- and long-term projects as assigned.

What you will need to have:

• 1-2 years of card processing experience.
• 1-3 years in merchant processing or the financial industry.
• Experience reading credit reports and reviewing financial documents.
• Strong proficiency in risk management tools and software.
• High school diploma or equivalent, and/or equivalent military experience.

What would be great to have:

• 3 years of experience with financial risk modeling.
• Knowledge of card brand regulations.
• Proficiency in Microsoft Office Suite, particularly Excel.
• Understanding of regulatory requirements and compliance standards.
• Proficiency in SQL or other data analysis tools.

This role is not eligible to be performed in Colorado, California, District of Columbia, Hawaii, Illinois, Maryland, Minnesota, New Jersey, New York, Nevada, Rhode Island or Washington.

It is unlawful to discriminate against a prospective employee due to the individual's status as a veteran.

Please note that salary ranges provided for this role on external job boards are salary estimates made by outside parties and may not be accurate.

Thank you for considering employment with Fiserv.  Please:

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

Our commitment to Equal Opportunity:

Fiserv is proud to be an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, national origin, gender, gender identity, sexual orientation, age, disability, protected veteran status, or any other category protected by law. 

If you have a disability and require a reasonable accommodation in completing a job application or otherwise participating in the overall hiring process, please contact  AskHR.US@fiserv.com . Please note our AskHR representatives do not have visibility to your application status. Current associates who require a workplace accommodation should refer to Fiserv’s Disability Accommodation Policy for additional information.

Note to agencies:

Fiserv does not accept resume submissions from agencies outside of existing agreements. Please do not send resumes to Fiserv associates. Fiserv is not responsible for any fees associated with unsolicited resume submissions.

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. Any communications from a Fiserv representative will come from a legitimate Fiserv email address.

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