Credit Risk Practice Lead

Ex; San Francisco (CA); On-site; USD 202,000 - 280,000; Full time

Benefits offered by this job

Mentoring program

Growth opportunities

Competitive analytics environment

Job summary

EXL Analytics seeks a Credit Risk Practice Lead to orchestrate onshore consulting and delivery for digital lending initiatives. You will own senior client relationships, oversee multi-account delivery across credit risk strategy, fraud, collections, and model development, and lead hiring and team development.

The role requires 12+ years in credit risk analytics within banking/fintech, strong leadership, and AI/GenAI solutioning experience.

Qualifications

• 12+ years of experience in credit risk analytics within banking, fintech, or financial services.
• Experience leading onshore delivery teams and managing multiple client accounts.
• Proven ability to engage with C-level executives and grow engagements.
• Experience with AI/ML and GenAI solutioning is a strong plus.

Responsibilities

• Serve as practice leader for multiple fintech/digital lending accounts, owning end-to-end onshore delivery across credit risk, fraud, collections, and modeling workstreams.
• Mentor and develop a team of onshore consultants and managers, owning performance management and career development.
• Lead senior client relationships and conduct business reviews with executives to ensure high client satisfaction.
• Drive end-to-end projects from scoping to staff planning and delivery of analytical initiatives.

Skills

Credit risk strategy

Fraud & collections

Model development

Leadership & client management

AI/ML & GenAI experience

Stakeholder communication

Education

Master’s or BA in Economics/Statistics/CS/OR

Tools

SQL

Python

Job description

We are seeking a highly skilled and experienced Credit Risk Practice Lead to lead our onshore consulting and delivery teams within the banking/fintech domain (digital lending). The ideal candidate will oversee delivery across multiple strategic client accounts, where our teams work across credit risk strategy, fraud, collections, and model development.

The individual needs to have strong knowledge of the lending business, data and domain across the customer lifecycle, along with the ability to shape AI-led solutions for client problems. They will own senior client relationships, serve as a domain expert to clients, drive high-quality project delivery, and be responsible for hiring, managing and developing the team.

Key Roles and Responsibilities

• Serve as the practice leader for multiple strategic fintech/digital lending accounts, owning end-to-end onshore delivery across credit risk, fraud, collections, and modeling workstreams.
• Manage, mentor and develop a team of onshore consultants and managers deployed across client engagements, owning performance management, coaching, and career development
• Serve as the senior client contact for assigned accounts, engaging with C-level and senior executives; lead business reviews, manage escalations, and ensure high client satisfaction
• Drive projects end to end: scope, plan, staff, and oversee execution of analytical and strategic initiatives, ensuring quality and on-time delivery
• Own hiring and growth of the onshore team: define role requirements, recruit, interview, and onboard new consultants to support account expansion.
• Lead AI solutioning for clients, translating lending business challenges into AI/ML and GenAI-enabled solutions, from problem framing through solution design and delivery.
• Act as a credit risk subject matter expert, delivering SME presentations, industry perspectives, and best-practice recommendations to client leadership teams
• Collaborate with offshore teams and practice leadership to ensure seamless, integrated global delivery.
• Establish delivery governance, best practices, and quality standards across accounts, and identify opportunities to grow and expand existing engagements.

Candidate Requirements:

• Strong business knowledge of consumer lending across the customer lifecycle, including acquisitions/underwriting, fraud, account management, and collections, as well as bureau data.
• 12+ years of experience in credit risk and analytics within banking, fintech, or financial services, including analytics consulting, solution design, and client management.
• Proven experience leading onshore delivery teams and managing multiple client accounts simultaneously.
• Strong track record of managing senior client relationships, including C-level executives, and growing engagements.
• Experience across credit risk strategy, fraud, collections, and model development; experience with AI/ML and GenAI solutioning is a strong plus.
• Demonstrable leadership ability, superior problem solving and people management skills, with experience hiring and building high-performing teams
• Master’s or similar in Economics, Statistics, Computer Science/Engineering, Operations Research, or a related quantitative field; candidates with BA/BS degrees in the same fields from top-tier academic institutions are also welcome to apply

Skills

• Strong understanding of credit risk strategy, fraud, collections, and model development across the lending lifecycle, including AI/ML applications in lending; ability to review and guide analytical work.
• Working knowledge of SQL and Python is good to have.
• Strong program and engagement management skills, including planning, staffing, delivery governance, and engagement financials.
• Excellent communication, presentation and story building skills; ability to explain complex concepts to senior non-technical stakeholders.

What we offer

• EXL Analytics offers an exciting, fast paced and innovative environment, which brings together a group of sharp and entrepreneurial professionals who are eager to influence business decisions. From your very first day, you get an opportunity to work closely with highly experienced, world class analytics consultants.
• You will learn effective teamwork and time-management skills - key aspects for personal and professional growth
• Analytics requires different skill sets at different levels within the organization. At EXL Analytics, we invest heavily in training you in all aspects of analytics as well as in leading analytical tools and techniques.
• We provide guidance/ coaching to every employee through our mentoring program wherein every junior level employee is assigned a senior level professional as advisors.
• Sky is the limit for our team members. The unique experiences gathered at EXL Analytics sets the stage for further growth and development in our company and beyond.

The typical base pay range for this role across the U.S. is USD $202,000 - $280,000 per year.

For more information on benefits and what we offer please visit us at http2s://www.exlservice.com/us-careers-and-benefits

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.