Fiserv

Credit Risk Data Capabilities, Manager

Fiserv$120K — $198K *
Finance & Insurance
Less than 5 years of experience
Job Overview by Ladders

Qualifications

  • Bachelor's degree in Finance, Economics, Statistics, Data Science, or equivalent military experience
  • 4+ years experience with data analysis tools such as SQL, Python, or R
  • 3+ years in credit risk analytics, underwriting strategy, or decision science in small business lending
  • 3+ years experience working with external data providers like bank aggregators and credit bureaus

Responsibilities

  • Design and implement underwriting strategies integrating traditional and alternative data sources for small business lending
  • Utilize banking transaction data and cash flow analytics to refine credit risk assessments
  • Collaborate with external data vendors to onboard and integrate data effectively
  • Analyze external data to assess and improve predictive power for credit risk models
  • Develop frameworks to monitor the effectiveness and ROI of external data in underwriting decisions

Benefits

  • Opportunity to drive innovative lending solutions for small businesses
  • Access to advanced technologies like AI and machine learning
  • Collaboration with data science teams on cutting-edge risk models
  • Focus on automating credit assessment processes
  • Work in a growing fintech environment with a potential for career advancement
Full Job Description
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, or 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, or decision science within small business lending.
  • 3+ years working with external data providers like bank aggregators (Plaid, MX, Finicity), cash flow analytics, credit bureaus, or alternative data.


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.

Thank you for considering employment with Fiserv. Please:

  • Apply using your legal name
  • Complete the step-by-step profile and attach your resume (either is acceptable, both are preferable).

About Fiserv

CashEdge(R) provides infrastructure that global financial institutions rely on to extend their online channels and enhance customer profitability. CashEdge delivers secure Online Money Movement and Advanced Account Aggregation platforms that power specialized retail banking and advisor applications. These proven solutions enable CashEdge's clients to create compelling online offerings that attract customers, generate revenues, and reduce costs. CashEdge serves top-tier financial institutions around the world. Clients and partners include Vanguard, RBC Financial Group, CIBC, Yahoo! Finance, Digital Insight, First Data, TD Canada Trust, NYCE, Laurentian Bank, Financial Fusion and Corillian. CashEdge has offices in New York and Silicon Valley.

Fiserv Careers

Join the Fiserv team today and be part of a dynamic company known for innovation, leadership, and a commitment to the professional growth of its employees. At Fiserv, we offer more than just job opportunities; we provide a platform where skills are honed, leadership is cultivated, and career aspirations are achieved. Work You’ll Do At Fiserv, we are constantly on the lookout for talented individuals eager to thrive in a culture that fosters growth and diversity. Our team is composed of professionals who lead the way in financial services technology. By joining us, you will collaborate with some of the brightest minds in the industry, working together to solve complex challenges and deliver innovative solutions that impact millions of people every day. Explore Our Job Opportunities Whether you're seeking an entry-level position or a more senior role, Fiserv offers a range of career paths in areas such as software development, project management, financial analysis, and client services. Our hiring process is designed to identify and attract individuals who are not only technically proficient but who also embody our values of integrity and responsibility. Internship Programs Kickstart your career with a Fiserv internship. Our internships provide invaluable workplace experience and networking opportunities that often lead to full-time employment. As an intern, you’ll gain hands-on experience while working on meaningful projects that directly contribute to the company’s goals. Benefits and Culture Fiserv is committed to the well-being and continuous development of our employees. We offer competitive benefits including health, dental, and vision insurance, as well as opportunities for professional development through leadership training and diversity programs. Our culture is one of inclusion, where every team member is valued and has the opportunity to contribute to our success. Career Growth and Development We believe in nurturing the potential of our employees through career development initiatives and continuous learning opportunities. At Fiserv, you will find a supportive environment where you can grow your career through on-the-job experiences, mentoring, and formal training. Stay Connected Join Our Team Search open positions that match your skills and interests. We look for passionate, curious, creative, and solution-driven team players. Start your journey with Fiserv today and help shape the future of financial services. Keep Up to Date Stay ahead with career tips, insider perspectives, and industry-leading insights you can put to use today—all from the people who work here. Job Alert Emails Personalize your subscription to receive job alerts, latest news, and insider tips tailored to your preferences. Discover the exciting and rewarding career opportunities that await at Fiserv. Explore, innovate, and grow with Fiserv. Let your career journey begin here, where you can make a real difference in the world of finance.
Learn more about Fiserv
Size
44,000 employees
Market Cap
$63.4 billion
Industry
Net Income
$958 million
Founded
1984
5 Year Trend
+24.1%
Revenue
$14.8 billion
NASDAQ

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