Credit Risk Analyst - Thane, India - Fiserv

    Fiserv
    Fiserv Thane, India

    2 weeks ago

    Fiserv background
    Description

    What does a successful Credit Analyst 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
    • At least 2 years of work experience in risk management or a related field.
    • Preferred experience in analyzing data using tools like Excel, VBA, SQL, and Python.
    • Prior experience in risk management