Credit Risk Data Capabilities, Manager
Top focus
Calling all innovators - find your future at Fiserv. We're Fiserv, a global leader in Fintech and payments, and we move money and information in a way that moves the world. We connect financial institutions, corporations, merchants and consumers to one another millions of times a day - quickly, reliably, and securely.
Any time you swipe your credit card, pay through a mobile app, or withdraw money from the bank, we're involved. If you want to make an impact on a global scale, come make a difference at Fiserv. Job Title Credit Risk Data Capabilities, Manager What does a successful Credit Risk Data Capabilities Manager do at Fiserv?
As a Credit Risk Data Capabilities Manager, you will play a key role in advancing alternative lending for small businesses, driving growth and empowering merchants with faster, smarter lending solutions. Working on Clover Capital, Fiserv’s fast-growing product, you'll leverage Artificial Intelligence, machine learning, and open banking APIs to enhance risk assessment and automate credit decisioning.
Your innovative contributions will ensure a scalable and automated risk framework that balances growth with strong risk controls
What You Will Do
- Design and implement underwriting strategies for small business lending, integrating traditional and alternative data sources.
- Utilize various data sources, including banking transaction data and cash flow analytics to improve and refine credit risk assessments.
- Collaborate with external data vendors onboard, validate, and integrate data for enhanced risk evaluation.
- Analyze external data sources to assess their predictive power and impact on credit risk models, partnering with data science teams to refine risk models.
- Develop frameworks to monitor the effectiveness and ROI of external data usage in underwriting decisions.
- What you will need to have: Bachelor’s degree in Finance, Economics, Statistics, Data Science
- a related field, and/or equivalent military experience. 4+ years of experience with data analysis tools such as SQL, Python or R. 3+ years in credit risk analytics, underwriting strategy
- decision science within small business lending. 3+ years working with external data providers like bank aggregators (Plaid, MX, Finicity), cash flow analytics, credit bureaus
- What would be great to have: Master's degree.
- Experience in fintech, alternative lending, or embedded finance platforms.
- Knowledge of regulatory and compliance considerations related to external data use in underwriting.
- Exposure to API integrations and data ingestion pipelines for external data sources.
- A passion for innovative financial technology solutions and applying new data sources to solve complex credit risk challenges.
- Strong analytical mindset with the ability to think critically and develop creative solutions for credit risk management.
- Important info about this role: We’re better together.
- This role is fully on-site.
- In order to be considered, you must be legally authorized to work in the U.S. without need for sponsorship now or in the future.
- This is a full-time, direct-hire position, and no contract options for unsolicited agency submissions will be considered.
- Salary Range $120,000.00 - $198,000.00 These pay ranges apply to employees in New Jersey and New York.
- Pay ranges for employees in other states may differ.
- It is unlawful to discriminate against a prospective employee due to the individual's status as a veteran.
- For incentive eligible associates, the successful candidate is eligible for an annual incentive opportunity which may be delivered as a mix of cash bonus and equity awards in the Company’s sole discretion.
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