We are looking for Professionals with experience between 3-6 Years in the field of Predictive Modelling with strong foundations in credit Risk, Banking and Finance. Credit Risk Modelling professional will be responsible for developing, validating, and maintaining statistical and machine-learning models used to assess and manage credit risk across different portfolios. The role involves working closely with risk, finance, product, and regulatory teams to ensure models are robust, compliant, and aligned with business strategy.
Build quantitative scorecards for underwriting, behavioral scoring, and collections.
Implement models using R, Python, SAS, SQL, or equivalent platforms.
Perform feature engineering, variable selection, model calibration, and back-testing.
Conduct regular performance monitoring and benchmarking of models.
Validate internal models as per regulatory guidelines.
Document model assumptions, methodologies, and limitations.
Partner with credit underwriting, collections, finance, stress testing, and product teams.
Bachelor’s or master’s degree in Statistics, Mathematics, Economics, Finance, Engineering, Data Science, or related fields.
3+ years of experience (depending on role level) in credit risk modelling or quantitative analytics.
Proficiency in Python/R/SAS, SQL, and advanced statistical and ML techniques.
Strong understanding of banking credit products (retail or wholesale).
Experience with model development/validation frameworks.
Preferred
Exposure to machine learning (Random Forest, Gradient Boosting, XGBoost).
Choosing a digital partner is about more than capabilities — it’s about collaboration and character.
Unrealistic overhauls and off-the-shelf products ignore what matters most — your unique needs, culture, goals, and your legacy data and technology environments.
At EXL, our collaboration is built on ongoing listening and learning to adapt our methodologies. We’re your business evolution partner—tailoring solutions that make the most of data to make better business decisions and drive more intelligence into your increasingly digital operations.
Whether your goals are scaling the use of AI and digital, redesign operating models, or driving better and faster decisions, we’re here to partner with you to help you gain—and maintain—competitive advantage with efficient, sustainable models at scale.
Our expertise in transformation, data science, and change management helps make your business more efficient and effective, improve customer relationships and enhance revenue growth. Instead of focusing on multi-year, resource- and time-intensive platform designs or migrations, we look deeper at your entire value chain to integrate strategies with impact.
We use our specialization in analytics, digital interventions, and operations management—alongside deep industry expertise — to deliver solutions that help you outperform the competition.
At EXL, it’s all about outcomes—your outcomes—and delivering success on your terms. Share your goals with us and together, we’ll optimize how you leverage data to drive your business forward.
For more information, visit www.exlservice.com.
