Develop, implement, and optimize credit card acquisition underwriting strategies.
Design approval, pricing, and limit assignment strategies aligned to risk appetite.
Monitor approval rates, bad rates, and portfolio performance.
Conduct segmentation analysis to identify growth opportunities while controlling risk.
Lead champion/challenger testing and strategy experiments.
Leverage open banking transaction-level data to enhance underwriting models.
Develop risk segmentation using income validation, cash flow patterns, and affordability signals.
Monitor performance across affiliate and digital acquisition channels.
Assess channel-specific risk trends and adverse selection.
Optimize strategy by affiliate source and customer segment.
Build analytical datasets using SQL.
Develop strategy logic and performance tracking using SAS.
Create dashboards and risk reporting for senior management.
Perform cohort analysis, vintage analysis, and early delinquency tracking.

Requirements

Graduate in Statistics, Mathematics, Finance, or a related field.
6-8 years of experience in risk analytics or data analysis.
Strong hands-on experience in SAS and SQL.
Deep understanding of credit risk frameworks.
Exposure to digital acquisition channels including affiliate marketing.

Benefits

For more information on benefits and what we offer please visit us at https://www.exlservice.com/us-careers-and-benefits

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools

credit card acquisitionunderwriting strategiesrisk segmentationsegmentation analysiscohort analysisvintage analysisearly delinquency trackingSASSQLdata analysis

Soft Skills

leadershipanalytical thinkingstrategic thinkingcommunicationproblem-solving