**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 **Credit Risk Data Capabilities, Manager** **What does a successful Credit Risk Data Capabilities Manager do?** As a Credit Risk Manager at Fiserv specializing in small business lending, you will be at the forefront of developing innovative underwriting strategies. You will leverage banking transaction data and third-party data providers to enhance credit decisioning. Working with external vendors and optimizing risk models, you will play a crucial role in building robust credit risk capabilities that align with our mission to help clients meet their customers where they are. **What you will do:** + Design and implement underwriting strategies for small business lending, integrating traditional and alternative data sources. + Utilize banking transaction data, cash flow analytics, and third-party financial data to improve credit risk assessments. + Identify, evaluate, and onboard external data providers, and collaborate with third-party vendors to test, validate, and implement data-driven risk assessment capabilities. + 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:** + 3+ years of experience in credit risk analytics, underwriting strategy, or decision science within small business lending. + 3+ years of experience working with external data providers such as bank aggregators (Plaid, MX, Finicity), cash flow analytics firms, credit bureaus, or alternative data vendors. + 4+ years of proficiency in SQL, Python, R, or similar data analysis tools. + 4+ years of strong project management skills, experience working cross-functionally with vendors, tech teams, and risk stakeholders. + Bachelor’s or Master’s degree in Finance, Economics, Statistics, Data Science, or a related field, and/or equivalent military experience. **What would be great to have:** + 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. **Perks at Work:** + We’re #FiservProud of our commitment to your overall well-being with a growing offering of physical, mental, emotional, and financial benefits from day one. + Maintain a healthy work-life balance with paid holidays, generous time off policies, including Unlimited Recharge & Refuel for qualifying associates, and free counseling through our EAP. + Plan for your future with competitive salaries, the Fiserv 401(k) Savings Plan, and our Employee Stock Purchase Plan. + Recognize and be recognized by colleagues with our Living Proof program where you can exchange points for a variety of rewards. + Prioritize your health with a variety of medical, dental, vision, life and disability insurance options and a range of well-being resources through our Fuel Your Life program. + Advance your career with training, development, certification, and internal mobility opportunities. + Join Employee Resource Groups that promote our diverse and inclusive culture where associates can share perspectives, exchange ideas, and elevate careers. **Salary Range** $110,700.00 - $189,700.00 _These pay ranges apply to employees in New York and California. Pay ranges for employees in other states may differ._ 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). **What you should know about us:** Fiserv is a global leader in payments and financial technology with more than 40,000 associates proudly serving clients in more than 100 countries. As one of Fortune _®_ magazine's "World's Most Admired Companies™" 9 of the last 10 years, one of Fast Company’s Most Innovative Companies, and a top scorer on Bloomberg’s Gender-Equality Index, we are committed to innovation and excellence. **Our commitment to Diversity and Inclusion:** Fiserv is an Equal Opportunity Employer, and we welcome and encourage diversity in our workforce that reflects our world. All qualified applicants will receive consideration for employment without regard to race, color, religion, sexual orientation, gender identity, national origin, disability, protected veteran status, or any other category protected by law. We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment. Please contact us to request accommodation. **Warning about fake job posts:** Please be aware of fraudulent job postings that are not affiliated with Fiserv. Fraudulent job postings may be used by cyber criminals to target your personally identifiable information and/or to steal money or financial information. Any communications from a Fiserv representative will come from a legitimate business email address. We will not hire through text message, social media, or email alone, and any interviews will be conducted in person or through a secure video call. We won’t ask you for sensitive information nor will we ask you to pay anything during the hiring process. We also won’t send you a check to cash on Fiserv’s behalf. If you see suspicious activity or believe that you have been the victim of a job posting scam, you should report it to your local FBI field office or to the FBI’s Internet Crime Complaint Center.