Credit Risk Strategy

EXL; Bengaluru; On-site; INR 1,500,000 - 2,300,000; Full time

Job summary

EXL in Bengaluru seeks an analytics professional with 5+ years in banking analytics (risk) across acquisition, account management and collections for personal loans and related products. You will influence strategy and risk models.

You must have strong SQL, experience with data analysis, and the ability to guide analysts, collaborate with leadership, and deliver data-driven recommendations.

Qualifications

• 5+ years of experience in Banking Analytics (Risk) across acquisition / account management / collections.
• Experience building credit risk models/strategies.
• Experience with alternate data usage (especially in underwriting).
• Strong knowledge of SQL.
• Knowledge of Python and ML is a big plus.
• Strong communication and interpersonal skills.
• Ability to drive project deliverables to achieve business results.
• Ability to work effectively in a team environment.
• Notice period: 30-90 days; early joiners preferred.

Responsibilities

• Lead personal loans strategy across acquisition, underwriting, loan limit assignment, pricing, installment programs, and collections.
• Manage portfolio performance and drive sustainable, risk-adjusted growth.
• Develop and refine credit policies, risk appetite, decision frameworks, and portfolio guardrails.
• Monitor portfolio health, including delinquency, utilization, profitability, customer behavior, and vintage performance.
• Use internal, bureau, and alternative data to identify opportunities and improve results.
• Handle large amounts of data to derive business insights and create innovative solutions/models/strategies.
• Clear articulation and structuring of business findings to the leadership and key partners.
• Handling team of analysts and guide them in their tasks.
• Handle critical projects and contribute to acquisition policy formulation and risk management

Skills

Banking Analytics

SQL

Python

Machine Learning

Communication

Team Leadership

Data Analysis

Education

Bachelor's in quantitative field

MBA / BTech / MTech from Tier 1 college

Job description

Role Overview

Looking for an Analytics professional with 5+ years of work experience in banking / NBFC / Fintech sector in Credit Risk domain (Acquisition and Account Management areas) for personal loans / 0 interest EMI products / credit cards etc.

Responsibilities

• Lead personal loans strategy across acquisition, underwriting, loan limit assignment, pricing, installment programs, and collections.
• Manage portfolio performance and drive sustainable, risk-adjusted growth.
• Develop and refine credit policies, risk appetite, decision frameworks, and portfolio guardrails.
• Monitor portfolio health, including delinquency, utilization, profitability, customer behavior, and vintage performance.
• Use internal, bureau, and alternative data to identify opportunities and improve results.
• Handle large amounts of data to derive business insights and create innovative solutions/models/strategies.
• Clear articulation and structuring of business findings to the leadership and key partners.
• Handling team of analysts and guide them in their tasks.
• Handle critical projects and contribute to acquisition policy formulation and risk management

Skillset

• Minimum 5+ years’ experience into Banking Analytics (Risk domain) across any of the functions – acquisition / account management / collection / fraud with a leading bank / Fintech / NBFC
• Experience in building credit risk models/strategies.
• Experience with alternate data usage (especially in Underwriting)
• Strong knowledge and working experience in SQL are a must.
• Knowledge of Python and ML is a big plus.
• Strong communication and interpersonal skills
• Ability to drive project deliverables to achieve business results.
• Ability to work effectively in a team environment.
• Notice period: 30-90 days. Early joiners preferred.

Education

• Bachelors or master's in quantitative field such as Economics, Statistics, Mathematics
• BTech/MTech/MBA from Tier 1 colleges (IIT, NIT, IIM)

Preferred companies

• Citibank, JPMC, AMEX, Standard Chartered, Bank of America, Axis bank, ICICI Bank, Kotak Mahindra Bank, HDFC bank, Accenture, EY, top banking analytics consulting firms.

Opportunity to work with a fast-paced digital bank.