Credit Risk Underwriter at Fiserv in Thāne, Maharashtra, India

Credit Risk Underwriter
Location: Thane, India
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Job Title
Credit Risk Underwriter
About your role:

As a Credit Risk Underwriter, you will review merchant processing applications and assess risk to support timely, accurate underwriting decisions. You will work closely with sales partners, merchants, processors, and internal underwriting teams to verify application quality, evaluate credit exposure, and resolve issues. Your work helps protect the business, maintain service level agreement (SLA) performance, and support client growth with sound risk decisions.

What you'll do:

Work on-site Monday through Friday and collaborate in person with underwriting, sales, and operational partners

Review incoming merchant processing applications and assess information to support underwriting decisions

Track and monitor applications throughout the underwriting process to ensure processing within service level agreements (SLAs)

Verify the quality, completeness, and accuracy of application documentation and supporting materials

Use third-party resources to validate business operations, ownership details, and business demographics

Communicate with sales partners, merchants, and processors to resolve risk and underwriting questions or issues

Analyze documentation, reports, and credit data to assess merchant credit risk exposure and make sound recommendations

Support short- and long-term projects related to underwriting operations, process improvement, and risk review

Responsibilities listed are not intended to be all-inclusive and may be modified as necessary.

Experience you'll need to have:

3+ years of experience in credit risk, underwriting, merchant processing, financial services, or a related risk evaluation environment

2+ years of experience reviewing individual and business credit reports and applying findings to risk-based decisions

2+ years of experience working in a client-facing role with sales partners, merchants, processors, or similar external stakeholders

2+ years of experience using Microsoft Office Suite to document reviews, manage workflows, and communicate findings

Ability to assess application quality, interpret supporting documentation, and use third-party verification tools to evaluate business legitimacy and credit exposure

Bachelor's Degree in finance, business, accounting, economics, or a related field, or equivalent combination of education, related experience and/or military experience

Experience that would be great to have:

Experience in the merchant processing industry

Knowledge of card brand rules and regulations

Experience supporting underwriting workflows tied to service level agreement (SLA) performance

Experience evaluating small business or merchant application documentation

How you'll work:

This role is on-site Monday through Friday. Fiserv considers in-person collaboration to be an essential part of this role as in-person office experiences help you with your overall onboarding experience and leads to stronger productivity.

This role requires use of a computer and audio equipment.

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.
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