Senior Credit Risk Manager

EXL; Jersey City (NJ); Remote; USD 130,000 - 170,000; Full time

Job summary

EXL in Jersey City is seeking a senior client-facing leader to transform credit risk reporting for a major US banking client, blending risk analytics with delivery leadership of a large-scale reporting automation program. You will analyze portfolio performance, identify trends in delinquency and loss movements, and present risk narratives to senior risk leadership each cycle.

You will manage end-to-end automation with data engineering, prioritize builds, validate outputs, and own stakeholder

Qualifications

• Min. 4 years of consumer credit risk analytics experience at a bank or consumer lender.
• Proven ability to present and defend risk positions with senior stakeholders.
• Familiarity with modern data environments (Databricks/Snowflake) and experience guiding reporting automation or analytics modernization preferred

Responsibilities

• Portfolio performance analytics and risk insight - Analyze credit performance across consumer book: identify emerging trends, drivers of delinquency and loss movements, assess performance against risk appetite, connect portfolio outcomes to underlying credit strategy — acquisition quality, line management, and loss mitigation.
• Lead the reporting automation program — Manage the end-to-end automation of risk reporting suite in partnership with the data engineering team responsible for the automation: prioritize build, ensure business logic and analytical intent are correctly implemented, and own validation and sign-off on automated outputs.
• Own client engagement — Manage senior risk stakeholders, drive program roadmap, and be accountable for delivery.

Skills

Credit risk analytics

Stakeholder communication

Data platforms

Tools

Databricks

Snowflake

Job description

Our passion at EXL is enabling organizations to achieve a measurable, competitive advantage through Data Management. We partner with our clients to design and implement scalable, accessible, and innovative solutions. Our goal is to make sense of data to drive client’s business forward through data strategy, data governance and building cloud data platforms. EXL is a leading data analytics and digital operations and solutions company that partners with clients to improve business outcomes and unlock growth. By bringing together deep domain expertise with robust data, powerful analytics, cloud, artificial intelligence ("AI") and machine learning ("ML"), we create agile, scalable solutions and execute complex operations for the world’s leading corporations in industries including insurance, healthcare, banking and financial services, media, and retail, among others. Focused on driving faster decision-making and transforming operating models, EXL was founded on the core values of innovation, collaboration, excellence, integrity and respect. Headquarters in New York, our team is over 73,000+ strong, with more than 50 offices spanning six continents.

Location: Jersey City, NJ

Employment Type: Full-Time

Mode – Remote (Occasional Travel)

Job Summary

Role summary:

Senior client-facing role leading transformation of credit risk reporting for a top US banking client across consumer lending portfolio (secured and unsecured) combining risk analytics with delivery leadership of a large-scale reporting automation program.

Key responsibilities:

• Portfolio performance analytics and risk insight - Analyze credit performance across consumer book: identify emerging trends, drivers of delinquency and loss movements, assess performance against risk appetite, connect portfolio outcomes to underlying credit strategy — acquisition quality, line management, and loss mitigation. Author the risk narrative presented to the client's senior risk leadership each cycle.
• Lead the reporting automation program — Manage the end-to-end automation of risk reporting suite in partnership with the data engineering team responsible for the automation: prioritize build, ensure business logic and analytical intent are correctly implemented, and own validation and sign-off on automated outputs.
• Own client engagement — Manage senior risk stakeholders, drive program roadmap, and be accountable for delivery.

Qualifications:

• Min. 4 years of consumer credit risk analytics experience at a bank or consumer lender, spanning portfolio analytics, credit strategy, performance reporting and risk appetite frameworks
• Proven ability to present and defend risk positions with senior stakeholders
• Familiarity with modern data environments (Databricks/Snowflake) and experience guiding reporting automation or analytics modernization preferred