Credit Risk Strategy Manager – Balance Forecasting

EXL

. Lead data pull and validation and build an understanding of the portfolio’s acquisition performance.

Posted 11/11/2026full-timeNew York City • New York • United StatesMid-LevelSenior💰 $120,000 - $135,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates expertise in credit risk strategy and forecasting, with a strong foundation in statistical techniques and data analysis. Proficient in building forecasting frameworks and optimizing client engagement through analytics and modeling.

Highest-signal resume keywords

Credit Risk StrategyForecasting FrameworksSAS ProficiencySQL ProficiencyPython Proficiency

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

ForecastingValue FrameworksResponse CurvesBalance CurvesVintage CurvesLoss CurvesNPVLifetime ValueSegmentation TechniquesStatistical Techniques

Soft Skills

Strong CommunicationPresentation SkillsClient Account ManagementBusiness Development Mindset

Tools & Technologies

Tableau

Industry Keywords

Credit AnalyticsBankingFinancial ServicesUS Credit CardsChampion/Challenger TestingProposal Writing

Tech Stack

Tools & technologies

PythonSQLTableau

About the role

Key responsibilities & impact

Lead data pull and validation and build an understanding of the portfolio’s acquisition performance.
Create response and balance curves across behavioral segment cohorts and develop the balance forecasting methodology.
Complete the forecasting curve framework and identify forecast gaps and improvement opportunities.
Review the existing Value Matrix methodology and evaluate its assumptions across behavioral cohorts.
Benchmark curve-based forecasts against the Value Matrix, assess offer-level segmentation impacts, and quantify incremental predictive power.
Recommend optimization enhancements and a revised objective function based on long-term value forecasts, in partnership with the optimization workstream.
Design a champion/challenger testing framework and implementation roadmap, and present final recommendations to senior leadership.
Build long-term client relationships and identify opportunities to expand engagements through cross-sell and up-sell of EXL’s analytics, modeling, and risk consulting services.

Requirements

What you’ll need

Bachelor’s degree in Statistics, Mathematics, Economics, Finance, Engineering, or related field; Master’s preferred.
6+ years in credit risk strategy, forecasting, or credit analytics within consulting, banking, or financial services, including US credit cards.
Proven experience building forecasting and value frameworks: response and balance build curves, vintage and loss curves, NPV, and Lifetime Value.
Working knowledge of card offer constructs (APR, promotional and balance transfer offers, credit lines), bureau data, and FICO.
Proficiency in SAS, SQL, and Python; Tableau is a plus.
Experience with large campaign and portfolio datasets.
Background in segmentation, regression, time-series, and statistical techniques, along with champion/challenger test design.
Strong communication and presentation skills, with a track record of managing client accounts and delivering measurable impact.
Experience in proposal writing or solutioning.
Business development mindset.

Benefits

Comp & perks

Annual bonus
Benefits information available through US Careers and Benefits