Credit and Risk Analyst

Job Description

Job Posting Title: Credit Risk Analyst Location: Thane What does a successful Candidate 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 Data analytics Prior experience in risk management