Credit Risk Strategy – Engagement Manager

🕒 2 days ago

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EXL

WebsiteLinkedInAll Job Openings

10,000+ employees

💰 $2M Venture Round on 2015-01

Choosing a digital partner is about more than capabilities — it’s about collaboration and character.

📋 Description

• 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.

🎯 Requirements

• 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.

🏖️ Benefits

• Professional development • Flexible work arrangements