EXL

Manager

EXL  •  Gurugram, IN (Onsite)  •  21 hours ago
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Job Description

1. Pricing and Profitability Consultant – Personal and Private BankingJob SummaryWe are looking for a strategic Pricing and Profitability Consultant to join our Customer Risk team. This role will drive initiatives across unsecured, secured, and insurance products to optimize risk-adjusted returns, define risk appetite, and simulate lending strategies using customer-level profitability insights and scenario models.Key ResponsibilitiesDevelop account-level profitability models by defining revenue and cost drivers tailored to product types and segments.Conduct deep dives into profitability by product, risk, price, and customer cohort, identifying high-ROE and low-retention segments.Define risk appetite thresholds, simulate risk-return trade-offs, and design concentration risk limits aligned with portfolio strategy.Create and monitor price-point strategies to unlock margin value and customer lifetime profitability.Translate customer behavior and CLTV insights into segment-specific lending strategies.Run lending strategy simulations under macro, portfolio, and customer behavior scenarios to guide tactical decisions.Work with product and finance stakeholders to shape Go/No-Go decisions and long-term capital planning.Support the build-out of performance dashboards and visualize pricing, profitability, and strategy metrics using Power BI or similar tools.Required Skills & Experience10+ years in retail banking, risk analytics, and profitability modeling.Strong understanding of RoE, customer lifetime value, and portfolio risk-return frameworks.Hands-on expertise in segmentation, pricing analytics, and capital allocation.Proficiency in SAS/Python, Excel and PowerPoint for insight generation.Experience working with cross-functional teams across product, risk, finance, marketing, and data engineering.Familiarity with lending simulation models, stress testing, or capital demand forecasting.
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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