Credit Risk Director

Within Fiserv, this role supports merchant acquiring risk activities across Credit & Risk (C&R) functions that help protect the business while enabling growth. The Director Credit Risk I leads a team responsible for oversight of credit risk practices across merchant onboarding, portfolio monitoring, exposure management, and related risk controls. This role partners across operations, underwriting, fraud, finance, and business leadership to drive sound risk decisions and support portfolio performance.

Lead credit risk activities across merchant acquiring functions within Credit & Risk (C&R).

Oversee credit underwriting, portfolio monitoring, exposure management, and risk control practices.

Establish, implement, and refine credit risk frameworks, policies, and procedures aligned with business objectives and risk appetite.

Review portfolio trends, merchant performance, loss indicators, and concentration risks to support informed risk decisions.

Partner with cross-functional teams to evaluate merchant risk, escalations, exceptions, and ongoing account performance.

Support governance, audit readiness, reporting, and control execution for credit risk operations.

Use portfolio analytics and reporting insights to identify opportunities for process improvement and risk mitigation.

Guide the team in executing risk assessments, approvals, reviews, and issue resolution across merchant acquiring portfolios.

Perform other responsibilities as required; this list is not exhaustive and may be modified as necessary.

18+ years of progressive leadership experience in credit risk, merchant acquiring, payments, or financial services, with demonstrated success across the following areas:

Enterprise leadership of merchant credit risk, spanning underwriting, portfolio strategy, exposure management, reserves, and loss mitigation.

Design and execution of credit risk strategy, governance frameworks, policies, controls, and risk appetite aligned with commercial objectives.

Oversight of complex, large-scale portfolios, including high-risk merchant segments, concentration risk, material exposures, and emerging risk.

Executive decision-making informed by merchant financials, processing performance, chargeback trends, portfolio analytics, and forward-looking risk indicators.

Leadership of regulatory examinations, audits, governance forums, control environments, and senior-level risk reporting.

Influence across business, finance, underwriting, fraud, operations, compliance, and technology to balance growth, customer outcomes, and risk.

Development of high-performing teams and leadership capability within a complex, matrixed organization.

Bachelor’s degree in finance, economics, business, risk management, or a related discipline, or an equivalent combination of education and relevant professional or military experience.

Leadership experience within a global merchant acquiring, payments, or financial services organization.

Deep knowledge of card network requirements, regulatory expectations, and leading industry risk practices.

Strategic application of advanced analytics, risk models, automation, and decisioning capabilities to strengthen portfolio performance.

Oversight of high-risk industries, complex ownership structures, multinational merchants, or large strategic accounts.

Credibility presenting material exposures, portfolio trends, and strategic recommendations to executive leadership and governance committees.

Advanced degree or relevant professional certification in finance, risk, or a related discipline.

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.