Data Analyst - Credit Risk and Decision Science

Job Description You will be a Data Analyst at Fiserv, where you will play a crucial role in developing and optimizing advanced credit decisioning models and frameworks for various financial products. Your responsibilities will include analyzing extensive data sets to identify trends, monitoring and refining credit risk models, conducting risk assessments, ensuring compliance with internal policies and external regulations, and collaborating with cross-functional teams to align credit risk strategies with business objectives. Key Responsibilities: - Develop, implement, and optimize advanced credit decisioning models for merchant cash advance, lending, and merchant acquiring products. - Analyze extensive data sets to identify trends in credit behavior and transaction processing patterns for informed decision-making. - Continuously monitor and refine credit risk models based on economic changes, regulatory landscape, and credit behavior trends. - Conduct thorough risk assessments and scenario analyses to evaluate portfolio performance and recommend mitigation strategies. - Ensure compliance of credit decisioning and monitoring processes with internal policies and external regulatory requirements. - Collaborate with cross-functional teams to align credit risk strategies with business objectives. Your role will also involve stakeholder engagement by communicating complex analytical concepts and credit risk insights to senior management and stakeholders, presenting quantitative analyses clearly, mentoring a team of analysts, creating training materials, staying informed on industry trends, and collaborating with credit bureaus and industry peers. Qualifications Required: - Bachelor's degree in Statistics, Data Science, or a related field; Masters degree preferred. - Minimum of 5 years of experience in credit risk management or decision science. - Expertise in quantitative analysis, credit risk modeling, and interpretation of complex datasets. - Proficiency in statistical methods and data analysis tools such as SQL, Python, R, and SAS. - Exceptional communication skills for articulating complex analyses to non-technical stakeholders. - Strong leadership qualities and critical thinking abilities. Preferred Skills: - In-depth knowledge of credit risk assessment methodologies. - Experience with advanced analytics techniques like machine learning and AI in credit risk modeling. - Understanding of financial services industry dynamics and consumer behavior patterns. Join Fiserv to explore career possibilities and Find your Forward with this opportunity! You will be a Data Analyst at Fiserv, where you will play a crucial role in developing and optimizing advanced credit decisioning models and frameworks for various financial products. Your responsibilities will include analyzing extensive data sets to identify trends, monitoring and refining credit risk models, conducting risk assessments, ensuring compliance with internal policies and external regulations, and collaborating with cross-functional teams to align credit risk strategies with business objectives. Key Responsibilities: - Develop, implement, and optimize advanced credit decisioning models for merchant cash advance, lending, and merchant acquiring products. - Analyze extensive data sets to identify trends in credit behavior and transaction processing patterns for informed decision-making. - Continuously monitor and refine credit risk models based on economic changes, regulatory landscape, and credit behavior trends. - Conduct thorough risk assessments and scenario analyses to evaluate portfolio performance and recommend mitigation strategies. - Ensure compliance of credit decisioning and monitoring processes with internal policies and external regulatory requirements. - Collaborate with cross-functional teams to align credit risk strategies with business objectives. Your role will also involve stakeholder engagement by communicating complex analytical concepts and credit risk insights to senior management and stakeholders, presenting quantitative analyses clearly, mentoring a team of analysts, creating training materials, staying informed on industry trends, and collaborating with credit bureaus and industry peers. Qualifications Required: - Bachelor's degree in Statistics, Data Science, or a related field; Masters degree preferred. - Minimum of 5 years of experience in credit risk management or decision science. - Expertise in quantitative analysis, credit risk modeling, and interpretation of complex datasets. - Proficiency in statistical methods and data analysis tools such as SQL, Python, R, and SAS. - Exceptional communication skills for articulating complex analyses to non-technical stakeholders. - Strong leadership qualities and critical thinking abilities. Preferred Skills: - In-depth knowledge of credit risk assessment methodologies. - Experience with advanced analytics techniques like machine learning and AI in credit risk modeling. - Understa