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About the Role

Lead product strategy and execution for merchant onboarding experiences that support credit risk and underwriting decisioning for small businesses. Work closely with cross-functional teams to translate business requirements into scalable, compliant, and efficient onboarding journeys.

Responsibilities

• Own end-to-end merchant onboarding experiences supporting risk and underwriting requirements, including KYB, KYC, identity verification, business verification, and underwriting data capture.
• Design and optimize onboarding flows to collect required data and documentation based on credit risk, underwriting, and fraud requirements.
• Translate decision outcomes 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 with third-party verification and data providers for 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.
• Balance onboarding speed, data collection, and control requirements to improve approval rates and downstream merchant activation while maintaining compliance.

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.
• Individuals with temporary visas or requiring sponsorship will not be considered.

Skills

• Product Management
• Digital Product Initiatives
• Onboarding
• Account Origination
• Fintech
• Credit Risk
• Underwriting
• Fraud
• Performance Metrics
• Experimentation
• Data Analysis
• Structured Query Language (SQL)
• Analytics Tools
• Experimentation Frameworks
• Third-party Verification Integration
• Small Business Products
• Merchant Acquiring Products

Location

• On-site

Work Type

• On-site Monday through Friday
• Full-time

Experience Level

• Senior Manager
• 6+ years

Education Level

• Bachelor's degree in business, product management, technology, finance, or a related field, or 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, connecting financial institutions, corporations, merchants and consumers millions of times a day.
• We move money and information in a way that moves the world.

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.