Credit Risk Analyst
3 years
Thane
Not Specified
Blindness, Low Vision, Leprosoy Cured persons, Locomotor Disability, Dwarfism, Intellectual Disability, Mental Illness, Cerebral Palsy, Specific Learning Disabilities, Speech and Language disability, Hearing Impairment (Deaf and Hard of Hearing), Muscular Dystrophy, Acid Attack Victim, Parkinson's disease, Multiple Sclerosis, Thalassemia, Hemophilia, Sickle Cell disease, Autism Spectrum Disorder, Chronic Neurological conditions, Multiple Disabilities including Deaf Blindness', Down Syndrome, Epilepsy, Spinal Cord Injury, Others
BFSI, Investment, Trading
Banking, Financial Services, and Insurance (BFSI)
Bachelors
Job Description
Type of disability required for this Role : Any that fits the role well. ( Mild Level )
Job Position: Credit Risk Analyst
Location: Thane
Shift timing : 11 AM IST to 7 PM IST
What does a successful Credit Analyst do at Fiserv?
The Credit Risk Analyst are part of the Risk Management team, which focuses on reviewing transactions that may be fraudulent or high-risk and taking appropriate action on merchant accounts. Their main responsibility is to anticipate, plan for, and respond to risks and issues related to the project. This includes categorizing the severity of the risks, considering how likely they are to occur, and planning ways to mitigate or handle them.
What will you do:
- 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 analyze/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 analyze exposure and loss data, and 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
What would be great to have:
- Background in the payment industry or fintech company
- At least 2 years of work experience in risk management or a related field.
- Requires good communication (written and verbal) and proficiency with Microsoft Office products.
Ctc : up to 6.5L
