Credit Risk Data Capabilities, Manager
New York, NY, USA
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Job Title
Credit Risk Data Capabilities, ManagerWhat 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 - $198,000.00These 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).
Our commitment to Equal Opportunity:
Fiserv 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.
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