Credit Risk Analyst at Fiserv in Madrid, Madrid, Spain

Credit Risk Analyst Location: Madrid, Spain 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 Analyst About your role: The Credit Risk Analyst supports merchant underwriting and ongoing credit risk management within a regulated acquiring and payments environment. The role focuses on assessing merchant creditworthiness, monitoring transaction behavior, and contributing to effective risk controls. The analyst also supports fraud and AML/KYC activities as part of a broader risk framework, while working closely with senior analysts and risk managers to ensure sound risk governance and operational excellence. What you’ll do: Perform merchant underwriting by assessing credit risk in line with internal policies, defined risk appetite, and card scheme requirements. Analyze merchant and transaction data to identify potential credit deterioration, fraud indicators, or abnormal behavior. Support ongoing monitoring of merchant portfolios and escalate increased risk indicators in a timely and structured manner. Maintain accurate and complete documentation of underwriting decisions, monitoring activities, and risk assessments. Collaborate with cross functional teams including Risk, Compliance, Operations, and Fraud to strengthen overall risk outcomes. Stay informed about regulatory updates and industry developments impacting credit risk, fraud, and AML/KYC frameworks. Preparation and review of data, documentation, and analysis supporting credit risk assessments and presentation to internal and external customers Assistance with review and enhancement of underwriting frameworks, monitoring KPIs, and risk methodologies. Support in implementing updated credit risk controls, monitoring rules, and process improvements. Contribution to documentation and knowledge transfer activities related to risk management best practices. Experience you’ll need to have: Languages: Fluent Spanish and English required. Degree or relevant academic background in Finance, Economics, Business, Risk Management, or a related field. Initial professional experience or strong theoretical knowledge in credit risk, underwriting, or financial analysis. Strong analytical skills with high attention to detail and data quality. Proficiency in MS Excel; ability to work with structured data and analytical reports. Experience that would be great to have: Exposure to fraud prevention or AML/KYC practices is an advantage. Exposure to card-scheme (Visa/MasterCard) compliance frameworks is an advantage. Additional European languages are a plus. 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 Diversity and Inclusion: 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. Note to agencies: Fiserv does not accept resume submissions from agencies outside of existing agreements. Please do not send resumes to Fiserv associates. Fiserv is not responsible for any fees associated with unsolicited resume submissions. 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 Fiserv email address.