Credit Risk Strategy VP: Scale Card Programs & Analytics

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 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.