Impress employers and recruiters.
Choose from hundreds of resume examples.

Target Resume Now

About the Role

As a Senior Manager, Risk Product and Flows, you will lead product strategy and execution for merchant onboarding experiences that support credit risk and underwriting decisioning for small businesses. You will work closely with Credit Risk, Underwriting, Fraud, Data Science, Engineering, Design, and go-to-market teams to translate business requirements into scalable, compliant, and efficient onboarding journeys that improve approval speed, merchant conversion, and activation outcomes.

Responsibilities

Own end-to-end merchant onboarding experiences that support risk and underwriting requirements, including know your business (KYB), know your customer (KYC), identity verification, business verification, and underwriting data capture.
Design and optimize onboarding flows that collect required data and documentation based on established credit risk, underwriting, and fraud requirements.
Translate decision outcomes, including approve, pend, decline, and additional information required, into clear onboarding experiences that support merchant understanding and completion.
Partner with Credit Risk, Underwriting, Fraud, and Data Science teams to operationalize evolving requirements into product requirements, workflow changes, and user experience enhancements.
Drive integration and orchestration efforts with third-party verification and data providers to support underwriting and onboarding needs.
Define, monitor, and improve key performance indicators, including onboarding conversion, decision latency, manual review rate, boarding speed, and time to first transaction.
Lead cross-functional delivery across Engineering, Design, Operations, and go-to-market teams to deliver scalable onboarding capabilities without direct people management responsibility.
Balance onboarding speed, data collection, and control requirements to improve approval rates and downstream merchant activation while maintaining compliance with established standards.

Requirements

6+ years of experience in product management leading complex digital product initiatives, including onboarding, account origination, payments, fintech, credit risk, underwriting, or fraud-related experiences.
6+ years of experience translating business, risk, and operational requirements into product requirements, process flows, and customer-facing experiences in regulated environments.
6+ years of experience using performance metrics, experimentation, and data analysis to prioritize enhancements and measure product outcomes.
Experience working with cross-functional partners across Credit Risk, Underwriting, Fraud, Data Science, Engineering, Design, Operations, and go-to-market teams.
Experience defining and managing measurable product performance indicators such as conversion, latency, manual review rates, and activation outcomes.
Bachelor's degree in business, product management, technology, finance, or a related field, or equivalent combination of education, related experience and/or military experience.
Experience with self-service and sales-assisted merchant onboarding journeys.
Experience with structured query language (SQL), analytics tools, or experimentation frameworks.
Experience integrating with third-party identity verification, business verification, or underwriting data providers.
Experience supporting small business or merchant acquiring products.
Must currently possess valid and unrestricted U.S. work authorization to be considered for this role.
Individuals with temporary visas including, but not limited to, F-1 (OPT, CPT, STEM), H-1B, H-2, or TN, or any candidate requiring sponsorship, now or in the future, will not be considered for this role.

Skills

Product Management
Digital Product Initiatives
Onboarding
Account Origination
Payments
Fintech
Credit Risk
Underwriting
Fraud
Business Requirements Translation
Product Requirements
Process Flows
Customer-Facing Experiences
Performance Metrics
Experimentation
Data Analysis
Product Performance Indicators
SQL
Analytics Tools
Experimentation Frameworks
Third-Party Integrations

Location

On-site

Work Type

On-site
Full-time

Experience Level

Senior Manager
6+ years

Education Level

Bachelor's degree in business, product management, technology, finance, or a related field
Equivalent combination of education, related experience and/or military experience

Salary/Compensations

$120,000.00 - $198,000.00

Benefits

Fuel Your Life program
Paid holidays
Generous time away policies
No-cost mental health support through Employee Assistance Programs
Living Proof program
Eight Employee Resource Groups
Unparalleled professional growth with training, development, and internal mobility opportunities
Medical, dental, vision, life, and disability insurance options available from day one
Retirement planning and discounted shares with the Employee Stock Purchase Plan
Tuition assistance and reimbursement program
Paid parental, caregiver, and military leave

About the Company

Fiserv is 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.
There's a reason why Fiserv is the global leader in information management and electronic commerce systems for the financial services industry. It's our people.
If you are a talented professional who gets excited by the challenge of helping Fiserv lead the transformation of financial services technology for our clients' benefit, we encourage you to explore career opportunities with Fiserv, where turning possibilities into realities is the norm.

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.
It is unlawful to discriminate against a prospective employee due to the individual's status as a veteran.