Credit Risk Strategy – Engagement Manager

🕒 June 3

🏢🏡 New York City – Hybrid

⏰ Full Time

🟠 Senior

🔴 Lead

👔 Manager

👻 Ghost score 35%

What it means: how likely this posting is sitting open without active hiring.How to read it: 60% or higher means we think this is a ghost. Lower scores are less of a worry.How we score it: age, reposts, open roles vs team size, how fast jobs close, and whether pay is listed.Fine print: an estimate from public data, not a judgment of the company. Real jobs can score high, so treat it as a hint, not a fact.

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EXL

WebsiteLinkedInAll Job Openings

10,000+ employees

🏥 Healthcare

🛡️ Insurance

📦 Logistics

💰 $2M Venture Round on 2015-01

Healthcare • Insurance • Logistics

EXL is a business consulting and services firm that focuses on leveraging data to enhance business operations and decision-making. With a strong emphasis on collaboration and adaptability, EXL partners with organizations to address their unique needs and culture while integrating data science and technology solutions. The company's areas of expertise include operations management, decision analytics, digital transformation, and various industries such as healthcare, finance, and insurance. EXL's mission is to help clients drive business evolution and maintain competitive advantage through tailored solutions and effective use of data.

📋 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