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Credit Risk Strategy Specialist – Commercial/Small Business Lending
EXL. Design, implement, and validate credit risk strategies across acquisition, underwriting, account management, exposure management, and collections.
Posted 10/17/2026full-timeNew Jersey • United StatesMid-LevelSenior💰 $140,000 - $170,000 per yearWebsite
Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in credit risk strategy development, leveraging advanced statistical techniques and data analytics to optimize portfolio performance and compliance with regulatory standards. Proven ability to synthesize complex analyses into actionable insights for senior leadership and enhance client relationships through effective communication and collaboration.
Highest-signal resume keywords
Credit Risk Strategy DevelopmentAdvanced Statistical TechniquesSQL ProficiencyClient Relationship ManagementRegulatory Compliance Knowledge
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Credit Risk AnalyticsData ModelingSegmentationRegression AnalysisStatistical TechniquesPortfolio AnalysisDecision FrameworksCredit Lifecycle StrategiesAlternative Data UtilizationPerformance Monitoring
Soft Skills
Strong Communication SkillsPresentation SkillsStakeholder CollaborationAnalytical ThinkingProblem-Solving
Tools & Technologies
PythonSQLSASTableau
Industry Keywords
Credit Risk ManagementCommercial LendingSmall Business LendingEquipment LendingMortgageHELOCDigital LendingGovernance FrameworksConsultingFinancial Services
Tech Stack
Tools & technologiesPythonSQLTableau
About the role
Key responsibilities & impact- Design, implement, and validate credit risk strategies across acquisition, underwriting, account management, exposure management, and collections.
- Perform portfolio analysis using internal data, bureau attributes, and alternative data to identify growth, loss mitigation, and risk optimization opportunities.
- 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 and strategy effectiveness.
- Collaborate with client stakeholders and Product, Finance, Operations, Compliance, and Technology teams.
- Monitor regulatory and governance requirements and ensure compliance and audit standards.
- Leverage new data sources, advanced analytics, and automation to strengthen credit risk capabilities.
- Provide senior leadership with insights and recommendations on portfolio performance, emerging risks, and forward-looking strategies.
- Build client relationships and position EXL’s credit risk solutions.
- Identify cross-sell and up-sell opportunities for analytics, modeling, and risk consulting services.
- Support proposal creation, client pitches, and value-driven outcomes with business development teams.
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 commercial lending or small business lending products and credit lifecycle strategies.
- Experience with Equipment Lending, Mortgage, or HELOC is a plus.
- Proficiency in SQL, Python, or SAS; Tableau is a plus.
- Background in data modeling, segmentation, regression, and statistical techniques for risk decisioning.
- Ability to synthesize complex analysis into clear recommendations for senior management.
- Strong communication, presentation, and stakeholder collaboration skills.
- Knowledge of credit risk regulatory requirements, governance frameworks, and emerging trends in digital lending.
- Experience leveraging alternative data and innovative analytical approaches in credit strategy development is preferred.
- Proven experience managing client accounts with measurable impact.
- Experience in proposal writing, solutioning, or contributing to revenue growth initiatives.
Benefits
Comp & perks- Annual bonus
- Benefits information is available via US Careers and Benefit
- Occasional travel for important client meetings in the East Coast (NY/NJ/DE)