Lead Consultant - Credit Risk Strategy

Key Responsibilities

• Assess the design and effectiveness of credit risk policies, decisioning frameworks, and governance models across various business units as part of the second line of defense
• Develop structured insight-driven recommendations for credit risk supported by analysis and industry best practices, leveraging internal and external analytics tools and credit risk platforms (e.g. FICO and Experian suites)
• Produce compelling executive-ready storylines and presentations that synthesize insights and drive decision-making, and highlight process improvement and harmonization opportunities
• Provide strategic guidance and oversight to junior colleagues across credit risk, fraud and payments ecosystems
• Serve as a subject matter expert to drive client outcomes and strengthen EXL s industry and functional capabilities

Qualifications

• Bachelors / Masters degree in Finance, Accounting, Economics, Statistics, Engineering or a related quantitative field from a top-tier university, or an MBA with relevant domain experience
• Minimum 8 years of progressive experience in Credit & Fraud Risk Strategy and/or Operations, preferably in Strategy or Consulting roles
• Deep domain understanding of industry standard processes across the credit services lifecycle including application, transaction, merchant, and dispute/chargeback management
• Strong analytical skills and proficiency in Microsoft Excel and PowerPoint
• Strong client engagement and consulting skills with ability to influence senior stakeholders by creating compelling storylines
• Excellent communication, presentation and storytelling skills with a data-driven orientation, and comfort operating in fast-evolving, ambiguous environments

Preferred Qualifications

• Experience with industry standard credit risk platforms (e.g. FICO and Experian suites)
• Relevant certifications in Credit Risk, Fraud Risk, or Risk Management (e.g., CFE, FRM, PRM) are a plus
• Prior consulting or advisory experience in telecom or adjacent industries
• Experience operating in both First & Second Line of Defense or policy / risk oversight role
• Familiarity with relevant regulatory and compliance frameworks (e.g., PCI DSS, GDPR, telecom consumer protection regulations) is a plus
• Working knowledge of data visualization software such as Tableau, Power BI and Looker