Credit Risk Analyst

Responsibilities

• Perform merchant underwriting by assessing credit risk in line with internal policies 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 escalate increased risk indicators
• Maintain accurate documentation of underwriting decisions, monitoring activities, and risk assessments
• Collaborate with cross-functional teams including Risk, Compliance, Operations, and Fraud
• Assist with the review and enhancement of underwriting frameworks, monitoring KPIs, and risk methodologies
• Support the implementation of updated credit risk controls and process improvements

Requirements

• Degree in Finance, Economics, Business, Risk Management, or a related field
• Fluent in both Spanish and English
• Initial professional experience or strong theoretical knowledge in credit risk, underwriting, or financial analysis
• Strong analytical skills with high attention to detail and focus on data quality
• Proficiency in MS Excel and the ability to work with structured data and analytical reports

Preferred Qualifications

• Exposure to fraud prevention or AML/KYC practices
• Experience with card-scheme (Visa/MasterCard) compliance frameworks
• Proficiency in additional European languages

About the Company

Fiserv is a global leader in Fintech and payments, connecting financial institutions, corporations, merchants, and consumers millions of times a day. We move money and information securely and reliably to drive the transformation of financial services technology.