Credit Risk Strategy - VP

EXL; San Francisco (CA); On-site; USD 200,000 - 280,000; Full time

Job summary

EXL is seeking a Credit Risk Strategy Vice President to lead credit risk, underwriting and pricing strategies for banking and fintech clients in the United States. You will partner with senior executives and bank partners, build and develop credit risk teams, and translate analytics into policies and business decisions.

You will guide product and data teams to automate underwriting, monitor performance, adjust policies, and oversee governance and model validation.

Qualifications

• 12–15+ years in credit underwriting, risk strategy, and portfolio performance with banking/consulting experience
• Strong Excel and SQL modeling; proficiency in R or Python
• Expertise in credit policy optimization and credit strategy across acquisitions, underwriting and account management
• Leadership and client-facing experience with senior executives and partners
• Experience with ABS, securitization, and fraud management preferred
• Bachelor's degree in finance, business, economics; advanced degree preferred

Responsibilities

• Serve as senior client contact with C-level executives and bank partners.
• Lead credit and pricing strategies for consumer and commercial programs.
• Monitor portfolio performance, growth, losses and profitability.
• Track KPI trends and report to management and external stakeholders.
• Build and refine underwriting models using data science.
• Adjust credit policies based on market trends and origination channels.
• Governance and model validation with bank partners.
• Collaborate with Product and Data teams on credit platforms.
• Align stakeholders across Risk, Product, Finance, and Analytics.
• Build and scale high-performing credit risk teams.

Skills

Credit underwriting

Credit risk strategy

Portfolio performance

Excel modeling

SQL

Python/R

Leadership

Client management

Communication

Cross-functional collaboration

Education

Bachelor's degree in finance or related field

Master's degree preferred

PhD in statistics/math/quantitative field preferred

Tools

Excel

SQL

Python

R

Job description

EXL (NASDAQ: EXLS) is a global analytics and digital solutions company that partners with clients to improve business outcomes and unlock growth. Bringing together domain expertise with robust data, powerful analytics, cloud and AI to create agile, scalable solutions and execute complex operations for the world’s leading corporations. EXL was founded on the core values of innovation, collaboration, excellence, integrity and respect, creating value from data to ensure faster decision-making and transforming operating models. Key industries include Insurance, Healthcare, Banking and Financial Services, Media, and Retail among others.

Our organization is headquartered in New York and comprises a workforce exceeding 55,000 employees, operating from more than 50 offices across six continents. For information, visit www.exlservice.com.

As the Credit Risk Strategy Vice President at EXL, you will play a pivotal role in leading credit risk, underwriting and pricing strategies for banking and Fintech clients. This position requires extensive lending experience and the ability to launch and scale consumer and commercial credit programs. You will work closely with senior executives and bank partners, build and develop credit risk teams, and translate analytical insights into credit policies and business decisions. Your leadership, problem-solving skills, product sense and ability to work effectively cross-functionally will be key to your success.

Responsibilities:

• Serve as senior client contact, engaging with C-level executives and bank partners, representing EXL's credit capabilities and providing risk consulting services.
• Lead credit and pricing strategies for co-brand, consumer and commercial credit card programs, from launch through scale.
• Oversee portfolio performance and account management across portfolio types and risk segments, balancing growth, credit losses and profitability.
• Track approval rates, new accounts, loss rates, profit margins and funnel trends; report KPIs and recommendations to senior management and external stakeholders.
• Build, review and refine consumer and commercial underwriting models using advanced statistical modeling and data science.
• Monitor credit performance and market trends to adjust credit policies, test underwriting strategies and refine pricing across origination channels.
• Strengthen underwriting and risk documentation; work with bank partners on model validation and governance.
• Partner with Product and Data teams to build credit decisioning platforms and data strategies using financial, bank and third-party datasets to automate underwriting.
• Align stakeholders across Credit Risk, Product, Risk Operations / Servicing, Finance and Analytics to deliver credit programs and policy changes.
• Build, mentor and scale high-performing credit risk teams; lead analytical delivery with onshore and offshore teams for smooth execution.

Qualifications:

• 12-15+ years of experience in credit underwriting, credit risk strategy and portfolio performance management, including at major banks, along with consulting, solution design and client management experience
• Expertise in Excel and SQL modeling, with strong programming and data analytics experience in R or Python
• Credit policy optimization and credit strategy expertise across acquisitions, underwriting and account management; proven track record in co-brand credit programs, subprime lending, consumer credit cards and commercial credit cards
• Strong understanding of advanced statistical modeling, underwriting model development, model validation and credit risk governance, including working with bank partners
• Demonstrable leadership ability, superior problem solving and people management skills; an entrepreneurial approach to building and scaling credit programs and developing high-performing teams
• Excellent communication, presentation and story building skills in a consulting setup, with the ability to represent EXL credibly with senior executives, clients and bank partners
• Experience in capital markets, including asset-backed securities (ABS), securitization and warehouse lines, and fraud management highly preferred
• Ability to combine traditional banking rigor with Fintech pace, work effectively cross-functionally and adapt to changing priorities in a fast-paced environment
• Bachelor's degree or equivalent in finance, business, accounting, economics, statistics, mathematics or a related field; master's degree in a relevant discipline preferred. An advanced statistical background, including a PhD in statistics, mathematics or a quantitative field, is strongly preferred

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.
• 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 $200,000 - $280,000 per year.

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.