Senior Manager, Credit Risk – Consumer Cards

EXL

Senior Manager in Credit Risk (Consumer Cards) at EXL driving credit risk strategies and analytics for client engagement. Responsible for managing risk throughout the lending lifecycle.

Posted 6/16/2026full-time🇺🇸 United StatesSeniorWebsite

Tech Stack

Tools & technologies

PythonSQLTableau

About the role

Key responsibilities & impact

Design, implement, and validate credit risk strategies across the lifecycle (acquisition, underwriting, account management, exposure management, and collections).
Perform detailed portfolio analysis using internal data, bureau attributes, and alternative data to identify opportunities for growth, loss mitigation, and risk optimization.
Develop and enhance credit risk models and decision frameworks using advanced statistical and analytical techniques.
Deliver MIS reports, dashboards, and performance reviews to monitor portfolio trends, assess strategy effectiveness, and inform business decisions.

Requirements

What you’ll need

Bachelor’s degree in Business, Finance, Statistics, Mathematics, Engineering, or related field; Master’s preferred.
6+ years of experience in credit risk strategy, credit analytics, or risk management within consulting, banking, or financial services.
Strong expertise in consumer lending products (credit cards, personal loans, student loans, etc.) and credit lifecycle strategies.
Proficiency in SAS, SQL, Python (Tableau is a plus).
Solid background in data modeling, segmentation, regression, and statistical techniques for risk decisioning.
Strong communication, presentation, and stakeholder collaboration skills.
Knowledge of credit risk regulatory requirements, governance frameworks, and emerging trends in digital lending.

Benefits

Comp & perks

Key Responsibilities
Ensure all strategies adhere to compliance and audit standards.
Provide insights and recommendations to senior leadership on portfolio performance, emerging risks, and forward-looking strategies

ATS Keywords

✓ Tailor your resume

Applicant Tracking System Keywords

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

Hard Skills & Tools

credit risk strategiesportfolio analysiscredit risk modelsstatistical techniquesdata modelingsegmentationregressionrisk decisioningSASSQL

Soft Skills

communicationpresentationstakeholder collaboration