Job TitleCredit Risk AnalystAbout your roleThe Credit Risk Analyst supports merchant underwriting and ongoing credit risk management within a regulated acquiring and payments environment. The role focuses on assessing merchant creditworthiness, monitoring transaction behavior, and contributing to effective risk controls. The analyst also supports fraud and AML/KYC activities as part of a broader risk framework, while working closely with senior analysts and risk managers to ensure sound risk governance and operational excellence.What you’ll do- Perform merchant underwriting by assessing credit risk in line with internal policies, defined risk appetite, and card scheme requirements.- Analyze merchant and transaction data to identify potential credit deterioration, fraud indicators, or abnormal behavior.- Support ongoing monitoring of merchant portfolios and elevate risk indicators in a timely structured manner.- Maintain accurate and complete documentation of underwriting decisions, monitoring activities, and risk assessments.- Collaborate with cross functional teams including Risk, Compliance, Operations, and Fraud to strengthen overall risk outcomes.- Stay informed about regulatory updates and industry developments impacting credit risk, fraud, and AML/KYC frameworks.- Prepare and review data, documentation, and analysis supporting credit risk assessments and presentations to internal and external customers.- Assist with review and enhancement of underwriting frameworks, monitoring KPIs, and risk methodologies.- Support implementation of updated credit risk controls, monitoring rules, and process improvements.- Contribute to documentation and knowledge transfer activities related to risk management best practices.Experience you’ll need to have- Languages: fluent Spanish and English required.- Degree or relevant academic background in Finance, Economics, Business, Risk Management, or a related field.- Initial professional experience or strong theoretical knowledge in credit risk, underwriting, or financial analysis.- Strong analytical skills with high attention to detail and data quality.- Proficiency in MS Excel;
ability to work with structured data and analytical reports.Experience that would be great to have- Exposure to fraud prevention or AML/KYC practices is an advantage.- Exposure to card-scheme (Visa/MasterCard) compliance frameworks is an advantage.- Additional European languages are a plus.Diversity & InclusionFiserv 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.#J-18808-Ljbffr