Credit Risk Strategy-Engagement Manager

Work Location: United States
Work Mode      : NY/Delaware (Hybrid)
Pay Range       :$130K-$160K /Yr Base + Annual Bonus

 The posted range is the hiring range for this role — a subset of the broader range available to employees over time — and reflects base salary across our national hiring scale. Final offers are based on several factors, including the candidate's skills and experience, internal pay equity, work location, market conditions for the role, and the specific scope and responsibilities of the position. The top of the range is reserved for candidates who notably exceed the requirements; the lower end applies to those with less experience or fewer preferred qualifications. For positions based in higher-cost zones (e.g., California, New York, New Jersey), actual compensation may exceed the posted range; your recruiter will share specifics during the process

For more information on benefits and what we offer please visit us at https://www.exlservice.com/us-careers-and-benefits

 

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.