Credit Risk Analyst

About the role

Fiserv’s Credit Risk Organization seeks a Credit Risk Analyst to manage risk across the lifecycle of its fintech products and services. Based in Thane, India, this on-site role involves managing high-risk merchant portfolios, preparing executive reporting, and driving risk mitigation strategies. The analyst acts as a team lead and collaborates with internal stakeholders to prevent credit losses. This position requires strong financial analysis and business judgment skills.

What you’ll do

• Manage a portfolio of merchant accounts in high-risk and high-volume segments within the middle market and enterprise space.
• Prepare and present reporting for senior leaders focusing on key merchant/industry KPIs including liquidity, leverage, and regulatory risks.
• Determine appropriate risk mitigation strategies for problematic accounts such as collateral actions and contract restructurings.
• Engage with internal and external stakeholders to drive actions forward and prevent/mitigate credit losses.
• Assist the Credit Director with merchant escalations and adverse actions, acting as team lead in their absence.

What you’ll bring

• Bachelor’s degree in Business Management, Finance, Economics, Statistics or related quantitative discipline.
• 3+ years of proven credit risk experience in middle market/corporate bank lending, merchant acquiring risk, or asset based lending.
• Strong financial analysis skills with an emphasis on reading Business Financial Statements.
• Proficiency in PowerPoint, Excel, and Word.
• Excellent negotiation and selling skills.

Skills

Education

Bachelor’s degree in Business Management, Finance, Economics, Statistics or related quantitative discipline.