EXL

Credit Risk Strategy-Engagement Manager

EXL  •  United States (Onsite)  •  5 hours ago
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Job Description

Key Responsibilities
  • Design, implement, and validate credit risk strategies across the lifecycle (acquisition, underwriting, account management, exposure management, and collections).
  • Perform detailed portfolio analysis using internal data, bureau attributes, and alternative data to identify opportunities for growth, loss mitigation, and risk optimization.
  • Develop and enhance credit risk models and decision frameworks using advanced statistical and analytical techniques.
  • Deliver MIS reports, dashboards, and performance reviews to monitor portfolio trends, assess strategy effectiveness, and inform business decisions.
  • Collaborate with client stakeholders and cross-functional teams (Product, Finance, Operations, Compliance, Technology) to align credit strategies with business objectives.
  • Monitor regulatory and governance requirements, ensuring all strategies adhere to compliance and audit standards.
  • Drive innovation by leveraging new data sources, advanced analytics, and automation to strengthen credit risk capabilities.
  • Provide insights and recommendations to senior leadership on portfolio performance, emerging risks, and forward-looking strategies.
  • Build and nurture long-term client relationships by understanding business needs and positioning EXL’s credit risk solutions effectively.
  • Identify opportunities to expand engagements through cross-sell/up-sell of analytics, modeling, and risk consulting services.
  • Partner with business development teams to support proposal creation, client pitches, and delivery of value-driven outcomes.and leadership skills are required.
  • Design, implement, and validate credit risk strategies across the lifecycle (acquisition, underwriting, account management, exposure management, and collections).
  • Perform detailed portfolio analysis using internal data, bureau attributes, and alternative data to identify opportunities for growth, loss mitigation, and risk optimization.
  • Develop and enhance credit risk models and decision frameworks using advanced statistical and analytical techniques.
  • Deliver MIS reports, dashboards, and performance reviews to monitor portfolio trends, assess strategy effectiveness, and inform business decisions

Qualifications

  • Bachelor’s degree in Business, Finance, Statistics, Mathematics, Engineering, or related field; Master’s preferred.
  • 7+ years of experience in credit risk strategy, credit analytics, or risk management within consulting, banking, or financial services.
  • Strong expertise in consumer lending products (credit cards, personal loans, student loans, etc.) and credit lifecycle strategies.
  • Proficiency in SAS, SQL, Python (Tableau is a plus).
  • Solid background in data modeling, segmentation, regression, and statistical techniques for risk decisioning.
  • Ability to synthesize complex analysis into clear recommendations for senior management.
  • Strong communication, presentation, and stakeholder collaboration skills.
  • Knowledge of credit risk regulatory requirements, governance frameworks, and emerging trends in digital lending.
  • Preferred: Experience leveraging alternative data and innovative analytical approaches in credit strategy development.
  • Proven experience in managing client accounts with a track record of delivering measurable impact.
  • Business development mindset with experience in proposal writing, solutioning, or contributing to revenue growth initiatives.
EXL

About EXL

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.

Industry
Consulting & Advisory
Company Size
10,000+ employees
Headquarters
New York, NY
Year Founded
Unknown
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