Credit Risk Manager Jobs for OPT Students
Credit Risk Manager roles qualify as specialty occupations under OPT, making them a strong fit for F-1 students with degrees in finance, economics, or statistics. Most positions require quantitative modeling skills and familiarity with regulatory frameworks like Basel III. Your 12-month OPT window, or 24-month STEM extension if your degree qualifies, gives you meaningful time to build a sponsorship case.
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Get Access To All JobsINTRODUCTION
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 Manager
The Fiserv Credit Risk Organization is responsible for managing the risk throughout the lifecycle of the firm’s products and services. This is an exciting and fast paced organization where your contributions as a Sr Credit Risk Manager can significantly impact Fiserv’s bottom line.
- Manage a portfolio merchant accounts in the high risk and high volume segment, including but not limited to, travel, furniture, e-commerce, membership, consumer discretionary sectors, etc. in the middle market and enterprise space.
- Prepare and present reporting for senior leaders with a focus on key merchant/industry KPI’s including liquidity, leverage, financial performance, processing performance, key competitors, emerging risks, macro impacts, regulatory risks, compliance risks, etc.
- Determine appropriate risk mitigation strategies for problematic accounts – collateral actions, exit strategies, contract restructurings, etc.
- Engage with internal and external stakeholders in legal, relationship management, chargeback operations, bank partners, etc to drive actions forward in a timely fashion to ultimately prevent/mitigate credit losses to Fiserv.
BASIC QUALIFICATIONS FOR CONSIDERATION:
- Willingness to roll up the sleeves to dive into details as a solo contributor or as a part of a team and share knowledge with colleagues.
- Must be an organized, intuitive and an analytical thinker, with the ability to perform detailed credit and data analysis in a fast paced environment.
- Strong written, oral and interpersonal skills a must including a strong ability to explain and/or present analysis to senior management, bank partners, external stakeholders, legal and ultimately our merchants.
- Strong business judgement with demonstrated ability to think strategically and creatively.
- Excellent negotiation and selling skills.
- Strong team work skills.
- Must be timely with tasks and proactive by seeking out solutions and problem resolution.
- Proficiency in PowerPoint, Excel, Word and comfortable learning and aid in developing new internal systems.
PREFERRED SKILLS, EXPERIENCE, AND EDUCATION:
- Preferred Education: Bachelor’s degree in Business Management, Finance, Economics, Statistics or related quantitative discipline.
- Preferred Experience: 2+ years of proven credit risk / underwriting experience in SMB, Middle Market, Corporate Bank Lending or Merchant Acquiring risk reviews.
Required Language Skill
- Bi-lingual – English and French
SALARY RANGE
$55,000.00 - $92,400.00
These pay ranges apply to employees in New Jersey and New York. Pay ranges for employees in other states may differ.
It is unlawful to discriminate against a prospective employee due to the individual's status as a veteran.
This position is not eligible for an annual incentive opportunity and is also not eligible to earn commissions. 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 Equal Opportunity:
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.
If you have a disability and require a reasonable accommodation in completing a job application or otherwise participating in the overall hiring process, please contact AskHR.US@fiserv.com. Please note our AskHR representatives do not have visibility to your application status. Current associates who require a workplace accommodation should refer to Fiserv’s Disability Accommodation Policy for additional information.
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.
INTRODUCTION
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 Manager
The Fiserv Credit Risk Organization is responsible for managing the risk throughout the lifecycle of the firm’s products and services. This is an exciting and fast paced organization where your contributions as a Sr Credit Risk Manager can significantly impact Fiserv’s bottom line.
- Manage a portfolio merchant accounts in the high risk and high volume segment, including but not limited to, travel, furniture, e-commerce, membership, consumer discretionary sectors, etc. in the middle market and enterprise space.
- Prepare and present reporting for senior leaders with a focus on key merchant/industry KPI’s including liquidity, leverage, financial performance, processing performance, key competitors, emerging risks, macro impacts, regulatory risks, compliance risks, etc.
- Determine appropriate risk mitigation strategies for problematic accounts – collateral actions, exit strategies, contract restructurings, etc.
- Engage with internal and external stakeholders in legal, relationship management, chargeback operations, bank partners, etc to drive actions forward in a timely fashion to ultimately prevent/mitigate credit losses to Fiserv.
BASIC QUALIFICATIONS FOR CONSIDERATION:
- Willingness to roll up the sleeves to dive into details as a solo contributor or as a part of a team and share knowledge with colleagues.
- Must be an organized, intuitive and an analytical thinker, with the ability to perform detailed credit and data analysis in a fast paced environment.
- Strong written, oral and interpersonal skills a must including a strong ability to explain and/or present analysis to senior management, bank partners, external stakeholders, legal and ultimately our merchants.
- Strong business judgement with demonstrated ability to think strategically and creatively.
- Excellent negotiation and selling skills.
- Strong team work skills.
- Must be timely with tasks and proactive by seeking out solutions and problem resolution.
- Proficiency in PowerPoint, Excel, Word and comfortable learning and aid in developing new internal systems.
PREFERRED SKILLS, EXPERIENCE, AND EDUCATION:
- Preferred Education: Bachelor’s degree in Business Management, Finance, Economics, Statistics or related quantitative discipline.
- Preferred Experience: 2+ years of proven credit risk / underwriting experience in SMB, Middle Market, Corporate Bank Lending or Merchant Acquiring risk reviews.
Required Language Skill
- Bi-lingual – English and French
SALARY RANGE
$55,000.00 - $92,400.00
These pay ranges apply to employees in New Jersey and New York. Pay ranges for employees in other states may differ.
It is unlawful to discriminate against a prospective employee due to the individual's status as a veteran.
This position is not eligible for an annual incentive opportunity and is also not eligible to earn commissions. 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 Equal Opportunity:
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.
If you have a disability and require a reasonable accommodation in completing a job application or otherwise participating in the overall hiring process, please contact AskHR.US@fiserv.com. Please note our AskHR representatives do not have visibility to your application status. Current associates who require a workplace accommodation should refer to Fiserv’s Disability Accommodation Policy for additional information.
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.
How to Get Visa Sponsorship as a Credit Risk Manager
Target banks and financial institutions with established sponsorship track records
Large commercial banks, credit card issuers, and financial services firms sponsor credit risk roles far more consistently than smaller lenders. Focus your search on institutions with dedicated risk departments where H-1B sponsorship is a standard part of hiring.
Highlight quantitative modeling credentials prominently
Credit risk managers are hired for their ability to build and validate risk models. Emphasize Python, R, SAS, or SQL proficiency alongside any experience with PD, LGD, or EAD models. Quantitative depth signals specialty occupation status and supports future sponsorship.
Apply for a STEM OPT extension if your degree qualifies
Degrees in statistics, applied mathematics, financial engineering, or computer science typically qualify for a 24-month STEM extension. That gives you 36 months total, covering two full H-1B lottery cycles and significantly improving your sponsorship odds.
Frame your role clearly as a specialty occupation in interviews
When sponsorship comes up, be direct: credit risk management requires a specific bachelor's degree or higher in a related field, which satisfies the specialty occupation standard. Employers who understand this are far less likely to hesitate on sponsorship grounds.
Build relationships within risk and compliance teams during your OPT period
Internal advocates matter when sponsorship decisions get made. Demonstrating value within your risk team, contributing to model validation projects, and earning visible results gives managers a concrete reason to push for your H-1B when the window opens.
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Get Access To All JobsFrequently Asked Questions
Does a Credit Risk Manager role qualify as a specialty occupation for H-1B sponsorship?
Yes. Credit risk management requires at least a bachelor's degree in finance, economics, statistics, or a related quantitative field, which satisfies the specialty occupation definition USCIS applies to H-1B petitions. Roles centered on model development, portfolio analysis, or regulatory capital calculations have a strong foundation for sponsorship. Employers in banking and financial services regularly sponsor this role.
Which employers are most likely to sponsor OPT students in credit risk roles?
Large commercial banks, credit card companies, auto lenders, and insurance firms with dedicated risk divisions are the most consistent sponsors. These institutions have established immigration programs and regularly file H-1B petitions for quantitative risk professionals. You can browse credit risk roles from OPT-friendly employers directly on Migrate Mate, which filters for positions open to F-1 students.
Can I work as a Credit Risk Manager on a STEM OPT extension?
Yes, if your underlying degree is in a STEM-designated field such as statistics, financial engineering, applied mathematics, or computer science. The STEM extension adds 24 months to your standard 12-month OPT, giving you 36 months total. Your employer must be enrolled in E-Verify, and you need to submit a formal training plan using Form I-983 through your designated school official.
What happens to my work authorization if my OPT expires while my H-1B is pending?
If your employer files your H-1B petition before your OPT expires and the petition is timely filed, cap-gap protection automatically extends your F-1 status and OPT work authorization until October 1. This applies only to cap-subject H-1B petitions filed during the regular April filing window. Your designated school official can issue an updated I-20 reflecting the cap-gap extension.
What should I look for in a Credit Risk Manager job posting to assess sponsorship likelihood?
Phrases like 'will consider OPT and H-1B candidates,' 'immigration assistance available,' or 'E-Verify employer' are positive signals. Avoid postings that state 'must be authorized to work without sponsorship.' Roles at large financial institutions with formal HR infrastructure are more likely to sponsor than boutique firms. Reviewing the employer's historical H-1B filing data from public DOL disclosure records can also confirm past sponsorship activity.
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