Credit Risk Manager

EXL; Jersey City (NJ); Hybrid; USD 120,000 - 190,000; Full time

Job summary

EXL in New Jersey (hybrid) seeks a senior client-facing leader to transform credit risk reporting for a major banking client. You’ll blend risk analytics with delivery leadership on a large-scale automation program across consumer lending.

You’ll own portfolio performance analytics, present risk narratives to senior risk leadership, and guide the end-to-end automation with data engineering partners. This role offers a hybrid schedule (3 days onsite, 2 days remote) in a dynamic financial services

Qualifications

• Min. 4 years of consumer credit risk analytics experience at a bank or consumer lender.
• Proven ability to present and defend risk positions with senior stakeholders.
• Familiarity with modern data environments and reporting modernization is preferred.

Responsibilities

• Portfolio performance analytics and risk insight – analyze credit performance across consumer book and identify trends.
• Lead the reporting automation program and manage end-to-end automation with data engineering partners.
• Own client engagement, manage senior risk stakeholders, and drive program roadmap.

Skills

Credit risk analytics

Risk reporting

Delivery leadership

Databricks/Snowflake

Tools

Databricks

Snowflake

Job description

Location: New Jersey (Preferred), Pennsylvania, Delaware, New York (Hybrid – 3 days onsite and 2 days’ work from home)

Duration: Full Time

Role summary:

Senior client-facing role leading transformation of credit risk reporting for a top US banking client across consumer lending portfolio (secured and unsecured) combining risk analytics with delivery leadership of a large-scale reporting automation program.

Key responsibilities:

Portfolio performance analytics and risk insight - Analyze credit performance across consumer book: identify emerging trends, drivers of delinquency and loss movements, assess performance against risk appetite, connect portfolio outcomes to underlying credit strategy — acquisition quality, line management, and loss mitigation. Author the risk narrative presented to the client's senior risk leadership each cycle.

Lead the reporting automation program — Manage the end-to-end automation of risk reporting suite in partnership with the data engineering team responsible for the automation: prioritize build, ensure business logic and analytical intent are correctly implemented, and own validation and sign-off on automated outputs.

Own client engagement — Manage senior risk stakeholders, drive program roadmap, and be accountable for delivery.

Qualifications:

Min. 4 years of consumer credit risk analytics experience at a bank or consumer lender, spanning portfolio analytics, credit strategy, performance reporting and risk appetite frameworks

Proven ability to present and defend risk positions with senior stakeholders

Familiarity with modern data environments (Databricks/Snowflake) and experience guiding reporting automation or analytics modernization preferred.