Credit Risk Strategy Lead — Hybrid, High-Impact

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

Job summary

EXL in the United States is seeking a seasoned Credit Risk Strategy professional to own an assigned consumer lending portfolio, monitor risk and performance, and recommend strategy enhancements across personal loans, credit cards, and student loan refinance.

You will develop underwriting, line/loan-amount, pre-screen, and risk-tier strategies, and use SQL and Python to analyze data and improve approvals, pricing, and limits. Collaborate with cross-functional teams to deploy strategies.

Qualifications

• 6+ years in credit risk, credit strategy, or risk analytics in consumer lending.
• Strong SQL and Python skills for data extraction and analysis.
• Experience owning or developing credit strategies and monitoring portfolio performance.
• Excellent communication and stakeholder-management skills.

Responsibilities

• Own an assigned consumer lending portfolio — monitor risk and performance and recommend strategy enhancements.
• Build underwriting, line/loan-amount, pre-screen, and risk-tier strategies.
• Analyze datasets using SQL and Python to identify drivers of losses, approvals, and profitability.
• Test and optimize with champion/challenger and A/B testing to improve approvals, pricing, and limits.
• Leverage internal, bureau, third-party, and alternative data to strengthen decisioning.
• Conduct fair lending testing and ensure alignment with client policies and regulatory requirements.
• Collaborate across Business, Operations, Marketing, Finance, Product, Engineering, Legal, and Compliance to deploy strategies.
• Translate analyses into crisp insights and presentations for client stakeholders and leadership.

Skills

SQL

Python

Analytical thinking

Communication

Stakeholder management

Education

Bachelor’s in a quantitative discipline

Master’s preferred

Tools

Tableau

Power BI

Git

Job description

EXL in the United States is seeking a seasoned Credit Risk Strategy professional to own an assigned consumer lending portfolio, monitor risk and performance, and recommend strategy enhancements across personal loans, credit cards, and student loan refinance.

You will develop underwriting, line/loan-amount, pre-screen, and risk-tier strategies, and use SQL and Python to analyze data and improve approvals, pricing, and limits. Collaborate with cross-functional teams to deploy strategies.