Engagement Manager - Credit Risk Strategy

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

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

Salary Range: $130K/Yr - $165K/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

Role Summary:

We are seeking a highly skilled and experienced Credit Risk Lead to join our dynamic team. The ideal candidate will be responsible for developing and implementing credit risk frameworks to optimize the risk and profitability, ensuring the stability of client portfolio.

Responsibilities:

• Develop and implement credit risk strategies by collaborating with cross-functional stakeholders, including Regulatory, Product, Analytics, and Risk teams, ensuring alignment with business objectives and compliance requirements.
• Conduct end-to-end data analysis across multiple stages of the credit lifecycle, including Existing Customer Management (ECM), Acquisition, Credit Line Increase (CLI), and Credit Line Decrease (CLD), to identify risks, opportunities, and performance improvement areas.
• Monitor and track portfolio performance metrics, analyzed emerging trends, and recommended strategic enhancements to optimize risk-adjusted returns and portfolio health.
• Present analytical insights and strategic recommendations to senior leadership, driving consensus through governance forums and securing approvals for policy and strategy implementation.
• Leverage a strong understanding of lending products and credit risk frameworks to identify performance gaps, evaluate strategy effectiveness, and implement data-driven optimization initiatives.
• Partner with business and risk stakeholders to design, test, and deploy credit policy changes, ensuring successful execution and measurable business impact.

Qualifications:

• Educational Background: Bachelor's or higher degree in engineering or any relevant field
• Industry Experience: Minimum of 7 years of experience in credit risk management, with a focus on strategy development. Previous experience of analytics consulting in Banking Domain.
• Technical Skills: Strong proficiency in SQL or Python is essential. Preference to Hands-on experience with Databricks
• Analytical Skills: Strong analytical and problem-solving skills. Past experience in statistical analysis and financial modeling.
• Communication Skills: Strong communication and interpersonal skills, with the ability to collaborate effectively with stakeholders at all levels. Leadership experience with a track record of managing and developing high-performing teams.