Credit Risk Manager

• Profile with experience in consumer banking (preferably in credit card)
• Credit Risk Management & Strategy experience :
• Underwriting risk model development or Underwriting policy design focusing on strategies spanning across Credit risk, initial line assignment, pre-qualification & fraud
• ECM Strategy - Credit line increase, Product conversion & Upgrade
• Risk Appetite evaluation and monitoring

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.

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.

Job Type: Full-time

Pay: $42.54 - $51.23 per hour

Work Location: On the road

Salary : $43 - $51