Credit Risk Strategy Consumer Cards

Key ResponsibilitiesDesign, implement, and validate credit risk strategies across the lifecycle (acquisition, underwriting, account management, exposure management, and collections).Perform detailedportfolio analysis usinginternal data, bureauattributes, and alternative data to identify opportunities for growth, loss mitigation, and risk optimization.Develop and enhance credit risk models and decisionframeworks using advanced statistical and analytical techniques.Deliver MIS reports, dashboards, and performance reviewsto monitor portfolio trends, assess strategy effectiveness, and inform business decisions.Collaborate with client stakeholders and cross-functional teams (Product, Finance, Operations, Compliance, Technology) to align credit strategies with business objectives.Monitor regulatory and governance requirements, ensuring all strategies adhere to compliance and audit standards.Drive innovation by leveraging new data sources,advanced analytics, and automation to strengthen credit risk capabilities.Provide insightsand recommendations to senior leadership on portfolio performance, emerging risks, and forward-looking strategies.Build and nurture long-term client relationships by understanding business needs and positioning EXL’s credit risk solutions effectively.Identify opportunities to expand engagements through cross-sell/up-sell of analytics, modeling, and risk consulting services.Partner with business development teams to supportproposal creation, client pitches, and delivery of value-driven outcomes.QualificationsBachelor’s degree in Business, Finance, Statistics, Mathematics, Engineering, or related field; Master’s preferred.7+ years of experience in credit risk strategy, creditanalytics, or risk management within consulting, banking, or financial services.Strong expertise in Small and Medium Business lending products (credit cards, business loans, working capital, merchant cash advance) and credit lifecycle strategies.Strong experience on working on bureau data such as D&B and SBFE .Proficiency in SAS, SQL, Python (Tableauis a plus).Solid 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.Preferred: Experience leveraging alternative data and innovative analytical approaches in credit strategy development.Proven experience in managing client accounts with a trackrecord of delivering measurable impact.Business development mindset with experience in proposal writing,solutioning, or contributing to revenue growth initiatives.