EXL Services – Credit Risk Strategy Professional

Overview:

We are seeking a highly analytical and detail-oriented professional to join our Credit Risk Strategy team.

The Risk Strategy Specialist will be responsible for developing data-driven strategies and policies to enhance risk management, evaluate framework effectiveness, manage subject specific dashboards and mentor team members.

This role requires strong analytical skills, proficiency in data tools, and a deep understanding of consumer banking products and credit risk.

Responsibilities:

– Drive tactical and strategic risk analytics for US bank Risk teams.

– Develop risk policies for POS lending, BNPL, and credit cards.

– Develop and implement comprehensive credit risk strategies to manage and mitigate risk across various credit products.

– Design A/B testing frameworks using DOE to enhance risk management.

– Lead the development of new rules and strategy by leveraging the existing data, managing the campaigns/monthly/ad-hoc dashboards, analyzing the trends and performing ad-hoc analysis.

– Perform policy analytics to ensure accurate customer targeting.

– Recommend improvements to business strategies and risk policies across acquisition and collections.

– Evaluate policy effectiveness, manage dashboards, and analyze performance metrics.

– Collaborate with cross-functional Risk Management teams.

– Summarize and report insights to senior leadership.

– Maintain strong credit risk knowledge.

– Manage projects with accuracy and timely delivery.

– Mentor and develop team members.

Qualifications:

– Educational Background: A degree in Statistics, Mathematics, Computer Science, or a related field (IIT/NIT preferred).

– Industry Experience: 8+ years of proven experience in credit risk and analytics role within banking, fintech, or financial services.

– Excellent team management and client-facing skills.

– Technical Skills: Strong proficiency in SAS/Python and SQL.

– Hands-on experience with Tableau/ Power BI, Excel and PowerPoint.

– Analytical Skills: Strong analytical and problem-solving skills.

– Past experience in statistical analysis and knowledge of banking products.

– Excellent understanding of credit risk principles, regulatory requirements, and industry best practices.

– Communication Skills: Strong communication and interpersonal skills, with the ability to collaborate effectively with stakeholders at all levels and types (technical/non-technical).

– Leadership experience with a track record of managing and developing high-performing teams.

– Location: Gurgaon/Bangalore