Credit Risk Strategy – Engagement Manager

EXL

Credit Risk Strategy Manager managing consumer lending portfolios. Analyzing data, developing risk strategies, and collaborating across teams in financial services environment.

Posted 6/30/2026full-timeSan Francisco • California, New York, Texas • 🇺🇸 United StatesMid-LevelSenior💰 $140,000 - $160,000 per yearWebsite

Tech Stack

Tools & technologies

PythonSQLTableau

About the role

Key responsibilities & impact

Own an assigned consumer lending portfolio (personal loans, credit card, student loan refinance) — monitor risk and performance and recommend strategy enhancements.
Develop and implement underwriting, line/loan-amount, pre-screen, and risk-tier strategies aligned to the client’s risk appetite.
Use SQL and Python to analyze large datasets and identify drivers of losses, approvals, and profitability.
Run champion/challenger and A/B tests to improve approval, pricing, and limit strategies — balancing risk, revenue, and customer experience.
Use internal, bureau, third-party, and alternative/cash-flow data to strengthen decisioning.
Conduct fair lending testing and ensure alignment with client policies and regulatory requirements.
Collaborate across Business, Operations, Marketing, Finance, Product, Engineering, Legal, and Compliance to deploy strategies accurately.
Translate analyses into crisp insights and presentations for client stakeholders and leadership.

Requirements

What you’ll need

Bachelor’s in a quantitative discipline (Statistics, Mathematics, Economics, Computer Science, Data Science, Engineering, or related); Master’s preferred.
5+ years in credit risk, credit strategy, or risk analytics — ideally in consumer lending (banking, fintech, or analytics consulting).
Strong hands-on SQL and Python skills for data extraction, manipulation, and analysis.
Working knowledge of decision trees / segmentation and credit lifecycle concepts (underwriting, roll rates, vintage analysis).
Demonstrated experience owning or developing credit strategies and monitoring portfolio performance.
Strong problem-solving skills and the ability to turn data into actionable, business-facing recommendations.
Excellent communication and stakeholder-management skills — comfortable operating as an embedded consultant.
**Preferred**
Personal loan or credit card credit risk experience.
Experience with alternative/cash-flow data, scorecard development, or decision engines.
Exposure to visualization tools (Tableau / Power BI) and version control (Git).
Prior client-facing or consulting experience.

Benefits

Comp & perks

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

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

Data ExtractionData ManipulationRisk AnalyticsUnderwriting StrategiesDecision TreesSegmentationPortfolio Performance MonitoringA/B TestingFair Lending TestingCredit Lifecycle Concepts

Soft Skills

Problem-SolvingCommunicationConsultative Skills