Credit Risk & Analytics – Engagement Manager

EXL

Engagement Manager in Credit Risk & Analytics focusing on client credit decisions and portfolio performance. Working on the full credit lifecycle with key responsibilities across strategy and financial outcomes.

Posted 7/29/2026full-timeRemote • 🇺🇸 United StatesSeniorLead💰 $140,000 - $170,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in credit risk management, portfolio performance, and pricing strategy, with a strong focus on data-driven decision-making and cross-functional collaboration. Proven ability to lead teams and influence profitability and capital efficiency in lending environments.

Highest-signal resume keywords

Credit Risk ManagementPortfolio Performance OwnershipSmall Business Lending ExperienceAdvanced Excel ProficiencyLeadership in Director-Level Role

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit RiskPortfolio ManagementPricing StrategyUnderwriting ProcessesCredit Policy DesignSegmentation StrategiesData InterpretationStress TestingScenario PlanningUnit Economics

Soft Skills

Cross-Functional InfluenceAnalytical Interpretation

Tools & Technologies

SQLBI ToolsCredit Decisioning SystemsFraud Tools

Industry Keywords

Alternative FinanceMerchant Cash AdvancesNon-Prime Environments

Tech Stack

Tools & technologies

SQL

About the role

Key responsibilities & impact

Work directly with the client and play a critical role in shaping how credit decisions, portfolio performance, and risk-adjusted revenue decisions are made
Work on the full credit lifecycle from strategy and pricing to portfolio health and performance, ensuring the risk approach supports sustainable growth and strong financial outcomes
Directly influence profitability, capital efficiency, and long-term scalability

Requirements

What you’ll need

Bachelor’s degree in finance, economics, mathematics, or a related field required; advanced degree preferred
10+ years of progressive experience in credit risk with direct ownership of portfolio performance
3+ years in a director-level or higher leadership role managing teams
Strong experience in small business lending, alternative finance, Merchant Cash Advances or non-prime environments preferred
Proven track record of making credit and pricing decisions with measurable business impact
Experience operating at an executive level with strong cross-functional influence
Deep expertise in portfolio management, pricing strategy, and unit economics
Strong understanding of underwriting processes, credit policy design, and segmentation strategies
Ability to interpret and challenge analytics outputs without direct model development ownership
Advanced proficiency in Excel; working knowledge of SQL and BI tools for data interpretation
Familiarity with credit decisioning systems, data vendors, and fraud tools
Experience leveraging data to inform strategy, stress testing, and scenario planning

Benefits

Comp & perks

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