Engagement Manager, Credit Risk and Pricing Strategy

EXL; San Francisco (CA); Hybrid; USD 150,000 - 180,000; Full time

Job summary

EXL in the United States seeks a Risk Strategy and Pricing Engagement Manager to analyze and design credit risk and pricing strategies for Fintech clients. This role requires extensive lending experience and collaboration with Credit Risk, Product, and Analytics teams.

You will work to develop credit and pricing policies, support third-party channels, and drive cross-functional initiatives. Strong problem-solving and stakeholder management are essential.

Qualifications

• 7+ years of experience in credit risk strategy with consulting, solution design and client management.
• Experience in Banking or FinTech; preferred if experience in point-of-sale financing.
• Proficient in SQL and Python.
• Master's degree or BA/BS in economics, mathematics, CS/engineering or related analytics fields from top-tier institutions.

Responsibilities

• Primary day-to-day client contacts and often interact with C-level executives.
• Analyze volume & funnel trends to optimize pricing and RoEs.
• Analyze credit performance and develop recommendations to optimize credit policies.
• React to market dynamics on third party channels and inform senior management decisions.
• Act as a channel manager for origination channels – managing credit policies, running tests and optimizing pricing.
• Collaborate with and drive alignment among stakeholders across the organization.
• Manage offshore team coordination for analytics support and execution.

Skills

Leadership

Problem solving

Communication

Client management

Education

Master's degree in economics or analytics

BA/BS in related analytics fields

Tools

SQL

Python

Job description

Work Mode: Hybrid (2-3 days/week in office)

Salary Range: $150K/Yr - $180K/Yr Base + Annual Bonus

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

For more information on benefits and what we offer please visit us at US Careers and Benefits

About EXL:

EXL (NASDAQ: EXLS) is a global data analytics and digital operations company. For 25+ years, we have helped the world's leading enterprises turn complex data into intelligent action - combining deep domain expertise, AI, advanced analytics, and business process excellence to deliver measurable outcomes at scale. We thrive on curiosity, collaboration, and analytical rigor.

Role Summary:

As the Risk Strategy and Pricing Engagement Manager, you will play a pivotal role in analyzing and designing credit risk and pricing strategies for Fintech clients. This position requires extensive experience in the lending industry, along with a profound understanding of various business functions such as Credit Risk, Product, and Analytics. A significant plus would be having experience working with third-party channels and devising credit and pricing policies for them. Your problem-solving skills, product sense, and ability to work effectively cross-functionally will be key to your success.

Responsibilities:

• Primary day-to-day client contacts and often interact with C-level executives.
• Analyze volume & funnel trends to optimize pricing and impact on RoEs
• Analyze credit performance and come up with recommendations to optimize credit policies
• React to market dynamics on third party channels and help senior management make informed decisions
• Act as a channel manager for certain origination channels – in terms of managing credit policies, running tests and optimizing pricing
• Stakeholder Collaboration: Collaborate with and drive alignment among various stakeholders across the organization
• Manage Offshore Team: Lead and coordinate (incl. project planning) with offshore team for analytical support and to ensure seamless execution

Qualifications:

• 7+ years of experience in Credit risk strategy, along with in consulting, solution design and client management
• Relevant experience within the Banking or FinTech industry; preferred if experience in point-of-sale financing
• SQL , Python
• Credit cards/lending expertise (Acquisitions/Underwriting)
• Demonstrable leadership ability, superior problem solving and people management skills
• Excellent communication, presentation and story building skills in a consulting setup
• Master's degree in economics, mathematics, computer science/engineering, operations research or related analytics areas; candidates with BA/BS degrees in the same fields from the top tier academic institutions are also welcome to apply