Credit Risk Strategy Manager

Key Responsibilities

·         Design, implement, and validate credit risk strategies across the lifecycle

·         (Acquisition, underwriting, account management, exposure management, and collections).

·         Perform detailed portfolio analysis using internal data, bureau attributes, and alternative data to identify opportunities for growth, loss mitigation, and risk optimization.

·         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, 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 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 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. 

Qualifications

·         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 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 (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.

·         Preferred: Experience leveraging alternative data and innovative analytical approaches in credit strategy development.

·         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.