Credit Risk Strategy Lead — Hybrid (SQL/Python)

EXL; Wilmington (DE); Hybrid; USD 130,000 - 165,000; Full time

Job summary

EXL in Wilmington, DE is seeking a Senior Credit Risk Lead to design and implement credit risk frameworks that optimize risk-adjusted profitability and portfolio stability.

The role requires collaborating with Regulatory, Product, Analytics, and Risk teams to drive policy changes, analyze lifecycle stages, and present insights to executives. Hybrid work model with base salary range $130K–$165K plus annual bonus.

Qualifications

• Bachelor's or higher in engineering or a related field.
• 7+ years' experience in credit risk management with strategy focus.
• Financial analytics and data modeling experience.
• Experience in analytics consulting in Banking preferred.

Responsibilities

• Develop and implement credit risk strategies with cross-functional stakeholders.
• Conduct end-to-end data analysis across credit lifecycle stages (ECM, Acquisition, CLI, CLD).
• Monitor portfolio performance metrics and identify opportunities for improvement.
• Present insights and recommendations to senior leadership and governance forums.
• Leverage lending product knowledge to identify gaps and optimize strategy.
• Collaborate with stakeholders to design and deploy credit policy changes with measurable impact.

Skills

SQL

Python

Education

Bachelor's degree in engineering or relevant field

Tools

Databricks

Job description

EXL in Wilmington, DE is seeking a Senior Credit Risk Lead to design and implement credit risk frameworks that optimize risk-adjusted profitability and portfolio stability.

The role requires collaborating with Regulatory, Product, Analytics, and Risk teams to drive policy changes, analyze lifecycle stages, and present insights to executives. Hybrid work model with base salary range $130K–$165K plus annual bonus.