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Credit Risk Manager

Fiserv - North Sydney, NSW

Banking & Finance
Source: uWorkin


Credit Underwriting and Periodic Review

Managing merchant credit assessment through the underwriting process.

Performing credit risk analysis and providing inputs to underwriting decision.

Conducting fundamental review on high risk accounts and complex deals (e.g. Airlines, Gaming, Travel) using detailed financial statement analysis, credit bureau reports, sector analysis, and other third party information.

Ensuring underwriting and periodic review processes and procedures adhere to local legislation (legal and compliance impacts) and Fiserv credit policy.

Defining and putting in place controls to verify adherence of underwriting and periodic review processes to the agreed policies and SLA.

Determining and negotiating with clients on security / collateral amounts.

Provide training and guidance to other functions or credit operations team overseas

Transaction Monitoring and Fraud Investigation

Managing transaction monitoring rules and logic to identify suspicious/fraudulent activities

Conducting investigations based on alerts generated on monitoring system or external reports

Work with internal compliance team and regulatory authorities for suspicious activity reporting

Collaborate with industry associations and other acquirers/banks for suspicious activity investigation and remediation

Acquiring Partners Assessment and Risk Governance

Conducting credit assessment on acquiring partners (i.e. ISO, Payment Facilitator, Marketplace)

Performing due diligence on acquiring partners’ credit policy and procedures in boarding merchants

Performing sample review of relevant credit documents, assessment records, and settlement evidence to ensure partners’ processes and procedures are in line with Fiserv standards and regulatory requirement

Ongoing monitoring of partner performance, conducting periodic audit, and preparing audit report with remediation recommendations/requirement.

Tracking the deployment of remediation actions to ensure gaps are closed within agreed timeframe.

Key Skills

Degree qualified, or equivalent experience.

At least 7 years experience in credit analysis or risk management environment.

Payment risk and acquiring partner risk management experience preferred

Understanding of merchant acquiring processes including credit underwriting, merchant disputes, chargeback processing, card schemes (e.g. VISA/MasterCard) rules and regulations

Proven understanding and application of risk management practices.

Familiar with regulatory AML compliance requirement

Reasonable knowledge on commonly used system capabilities in payment industry

Demonstrated ability to negotiate with differ levels of stakeholders.

Demonstrated analytical skills and ability to makes sound decisions.

Passion to learn new skills and ability to gain an understanding quickly.