Credit Risk Strategy, Engagement Manager

EXL

. Own an assigned consumer lending portfolio covering personal loans, credit cards, and student loan refinance; monitor risk and performance and recommend strategy enhancements .

Posted 10/14/2026full-timeUnited StatesMid-LevelSenior💰 $140,000 - $160,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in credit risk analysis and strategy development, utilizing SQL and Python for data-driven decision-making. Proven ability to collaborate across multiple functions and communicate insights effectively to stakeholders.

Highest-signal resume keywords

SQL Data AnalysisPython ProgrammingCredit Risk Strategy DevelopmentStakeholder ManagementConsumer Lending Experience

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Data ExtractionData ManipulationRisk AnalyticsUnderwriting StrategiesDecision TreesSegmentationVintage AnalysisChampion/Challenger TestingA/B TestingPortfolio Performance Monitoring

Soft Skills

Problem-SolvingCommunicationConsultative Skills

Tools & Technologies

TableauPower BIGit

Industry Keywords

Consumer LendingCredit CardsPersonal LoansStudent Loan RefinanceFair Lending TestingRegulatory ComplianceAlternative Data

Tech Stack

Tools & technologies

PythonSQLTableau

About the role

Key responsibilities & impact

Own an assigned consumer lending portfolio covering personal loans, credit cards, and 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 while 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 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)
5+ years in credit risk, credit strategy, or risk analytics, ideally in consumer lending
Strong hands-on SQL and Python skills for data extraction, manipulation, and analysis
Working knowledge of decision trees, segmentation, and credit lifecycle concepts, including underwriting, roll rates, and vintage analysis
Demonstrated experience owning or developing credit strategies and monitoring portfolio performance
Strong problem-solving skills and 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
Preferred: Experience with alternative/cash-flow data, scorecard development, or decision engines
Preferred: Exposure to Tableau or Power BI and Git
Preferred: Prior client-facing or consulting experience

Benefits

Comp & perks

Annual bonus
Benefits information provided at https://www.exlservice.com/us-careers-and-benefits