Credit Risk Strategy Lead — Data-Driven Growth & Policy

EXL; San Francisco (CA); Hybrid; USD 150,000 - 170,000; Full time

Job summary

EXL in San Francisco is seeking a senior Credit Risk professional to analyze, develop and optimize credit policies, underwriting criteria, and pricing strategies across the customer lifecycle. The role focuses on underwriting, line assignment and risk-based pricing to drive profitable portfolio growth while managing risk.

You will translate insights into actionable rules using SQL and Python, collaborate with Risk, Product and Technology teams, and monitor KPIs to ensure effective portfolio

Qualifications

• 6+ years of experience in Credit Risk.
• Strong analytical skills with hands-on SQL.
• Experience in credit risk strategy, underwriting or portfolio analytics in Banking / Financial Services.
• Good understanding of credit underwriting, line assignment / credit limit strategies and risk-based pricing.
• Ability to analyze customer, application, bureau and portfolio data to identify trends and develop credit policy recommendations.

Responsibilities

• Assist in the analysis, development and monitoring of credit policies, including underwriting, line assignment and pricing strategies.
• Analyze credit and portfolio data to identify opportunities for risk-adjusted growth and recommend policy changes.
• Develop and optimize underwriting criteria, credit line assignment and risk-based pricing strategies.
• Evaluate the impact of credit policy changes through portfolio analysis, scenario testing and experiments.
• Translate credit policies and strategies into business rules using SQL and Python.
• Monitor key credit risk and business performance metrics and proactively identify emerging trends.
• Collaborate with Risk, Product, Technology and Operations teams to implement credit policy changes.

Skills

SQL

Python

Credit risk

Data analysis

Stakeholder communication

Job description

EXL in San Francisco is seeking a senior Credit Risk professional to analyze, develop and optimize credit policies, underwriting criteria, and pricing strategies across the customer lifecycle. The role focuses on underwriting, line assignment and risk-based pricing to drive profitable portfolio growth while managing risk.

You will translate insights into actionable rules using SQL and Python, collaborate with Risk, Product and Technology teams, and monitor KPIs to ensure effective portfolio