Credit Risk Analyst

Job Posting Title: Credit Risk Analyst

What does a successful do at FISERV?

· A self-starter, 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, Southeast 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:

· Prior experience in risk management or credit analysis

· Background in payment industry or fintech company is an added advantage

· Data analytics