Credit Risk Strategy-Engagement Manager

EXL; San Francisco (CA); Hybrid; USD 140,000 - 160,000; Full time

Job summary

EXL is seeking a data-driven professional to own an assigned consumer lending portfolio, monitor risk and performance, and recommend strategy enhancements. You will develop underwriting and risk-tier strategies aligned to the client’s risk appetite, and use SQL and Python to analyze large datasets to identify drivers of losses, approvals, and profitability.

You will test and optimize strategies with champ/challenger and A/B approaches, balancing risk, revenue, and customer experience, and

Qualifications

• Analytical mindset to monitor risk and performance across portfolios.
• Ability to translate data into actionable insights for strategies.

Responsibilities

• Own an assigned consumer lending portfolio (personal loans, credit card, student loan refinance).
• Monitor risk and performance and recommend strategy enhancements.
• Develop underwriting and risk-tier strategies aligned to client risk appetite.
• Analyze datasets using SQL and Python to identify drivers of losses, approvals, and profitability.
• Run A/B tests to improve approval, pricing, and limit strategies balancing risk and revenue.
• Collaborate across functions to deploy strategies accurately.
• Translate analyses into crisp insights and presentations for stakeholders.

Skills

Analytical skills

Risk analysis

Problem solving

Tools

SQL

Python

Job description

Work Location: San Francisco or Dallas/Frisco or New York

Work Mode: 1-2 days/week in office

Pay Range: $140K/Yr - $160K/Yr Base + Annual Bonus

For more information on benefits and what we offer please visit us at https://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

• Own a portfolio. Own an assigned consumer lending portfolio (personal loans, credit card, student loan refinance) — monitor risk and performance and recommend strategy enhancements.
• Build strategies. Develop and implement underwriting, line/loan-amount, pre-screen, and risk-tier strategies aligned to the client’s risk appetite.
• Analyze hands-on. Use SQL and Python to analyze large datasets and identify drivers of losses, approvals, and profitability.
• Test and optimize. Run champion/challenger and A/B tests to improve approval, pricing, and limit strategies — balancing risk, revenue, and customer experience.
• Leverage data. Use internal, bureau, third-party, and alternative/cash-flow data to strengthen decisioning.
• Govern fairly. Conduct fair lending testing and ensure alignment with client policies and regulatory requirements.
• Partner broadly. Collaborate across Business, Operations, Marketing, Finance, Product, Engineering, Legal, and Compliance to deploy strategies accurately.
• Communicate clearly. Translate analyses into crisp insights and presentations for client stakeholders and leadership.