Director, Small Business Credit Underwriting

Fiserv
New York, New Jersey
Workplace: OnsiteFull timeUSD 113,000 - 184,800Function: Insurance & ActuarialExperience: 10+ yearsEducation: bachelorsSkills: ["Leadership","Financial analysis","Data-driven thinking","Sound judgment","Cross-functional collaboration"]

Lead end-to-end manual underwriting for a small business lending portfolio, owning queue management, decision quality, turnaround time, and adherence to credit policy. Personally adjudicate the most complex commercial exposures and scale a team of 8–10 underwriters across locations. Define operating metrics, partner with decision science and product to automate policy over time, and improve underwriting workflow and tooling with cross-functional partners.

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Fiserv
Fiserv
2 days ago

Director, Small Business Credit Underwriting

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Last checked: 19 hours agoStatus: Live

Job Summary

Lead end-to-end manual underwriting for a small business lending portfolio, owning queue management, decision quality, turnaround time, and adherence to credit policy. Personally adjudicate the most complex commercial exposures and scale a team of 8–10 underwriters across locations. Define operating metrics, partner with decision science and product to automate policy over time, and improve underwriting workflow and tooling with cross-functional partners.
Location: New York, New Jersey
Workplace: Onsite
Employment Type: Full time
Job Function: Insurance & Actuarial
Seniority: Director level

Key Responsibilities

  • •Own manual underwriting execution end to end, including queue management, decision quality, turnaround time, and adherence to credit policy.
  • •Personally adjudicate and review the largest and most complex commercial exposures, including escalations and exceptions.
  • •Lead, coach, and grow a team of 8–10 underwriters across multiple locations, including hiring, training, calibration, and QA structures.
  • •Define and manage operating metrics (capacity, productivity, decision accuracy, override/exception rates) and act on what they indicate.
  • •Partner with decision science and credit policy to codify underwriter judgment into scorecards, rules, and automated decisioning while routing appropriate decisions to remain manual.

Pay and Benefits

Salary: USD 113,000 - 184,800
Perks:Health InsuranceVisionDentalPaid HolidaysPaid SickEspp

Key Requirements

  • •Bachelor’s degree in finance, accounting, economics, or a related field.
  • •10 years of experience in commercial or small business credit underwriting, including making final calls on large-dollar commercial exposures.
  • •Strong financial statement analysis skills to assess repayment capacity and risk from business financials, bank statements, and cash flow.
  • •5 years managing people, including direct leadership of teams of 5–10+ and demonstrated hiring, development, and retention.
  • •Operations management depth running a production credit environment with SLAs, capacity constraints, and measurable improvements tied to volume growth.
Experience:10+ yearsFintechPaymentsCommercial lendingSmall business lendingCredit underwritingDecision science
Education:Bachelor's
Skills:LeadershipFinancial analysisData-driven thinkingSound judgmentCross-functional collaboration

Eligibility

Visa:F-1H-1BH-2TN
Work Authorization:Authorization required. Sponsorship not provided.

Company Brief

Fiserv
Provides payments, processing services, risk management, and core banking technology to financial institutions, merchants, and businesses worldwide, enabling digital payments, account processing, and financial services integration.
Industry: Fintech Infrastructure
Company Size: Enterprise (1,001+ employees)
Revenue: USD 1B+
Growth: Public Company
Valuation: Public Company (Market Cap in USD)
Funding: IPO / Publicly Listed
Headquarters: Brookfield, United States
Founded: 1984
WebsiteLinkedIn