EXL · 14 hours ago
Credit Risk Specialist
NYC Metro Area
Full-time
Onsite
Senior Level
$150K/yr - $180K/yr
7+ years expEXL is a global analytics and digital solutions company that partners with clients to improve business outcomes. The Credit Risk Specialist role involves designing and implementing credit risk strategies across the lending lifecycle while managing client relationships and identifying new business opportunities.
AnalyticsBankingOutsourcing
Hiring Manager
Ajith Johnraj
Responsibilities
Design, implement, and validate credit risk strategies across the lifecycle (acquisition, underwriting, account management, exposure management, and collections)
Develop and enhance credit risk models and decision frameworks using advanced statistical and analytical techniques
Support policy design for credit, fraud, pricing, and digital pre-qualification strategies
Work on line assignment and credit line increase strategies, optimizing risk/return tradeoffs and supporting income capture initiatives
Assist in graduation and product upgrade strategies for profitable base (like engaged, low-risk customers)
Support the design of risk appetite frameworks, concentration limits, and program guardrails
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 insights and 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 support proposal creation, client pitches, and delivery of value-driven outcomes
Qualification
Required
Bachelor's degree in Business, Finance, Statistics, Mathematics, Engineering, or related field; Master's preferred
7+ years of experience in credit risk strategy, credit analytics, or risk management within consulting, banking, or financial services
Strong expertise in consumer lending products (credit cards, personal loans, student loans, etc.) and credit lifecycle strategies
Proficiency in SAS, SQL, Python (Tableau is 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
Proven experience in managing client accounts with a track record of delivering measurable impact
Business development mindset with experience in proposal writing, solutioning, or contributing to revenue growth initiatives
Preferred
Experience leveraging alternative data and innovative analytical approaches in credit strategy development
Benefits
Bonuses
Paid Time Off policy
Many region-specific benefits
Company
EXL
EXL is a provider of Transformation and Outsourcing services to Global 1000 companies in multiple industries
10001+ employees
Funding
Current Stage
Public CompanyTotal Funding
$150MKey Investors
The Orogen GroupFTV Capital
2018-10-02Post Ipo Debt· $150M
2006-10-20IPO
2004-12-01Series Unknown
Leadership Team
Rohit Kapoor
Chairman & Chief Executive Officer
Brad Burdick
SVP, Insurance Domain Platforms
Recent News
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2026-01-13
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