Credit Risk Data Capabilities, Manager

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.