3 results (1 new)
3 results (1 new)
Role: Credit Risk Analyst
Onsite
NY, NC and DE
· 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 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.
· Bachelor’s degree in Business, Finance, Statistics, Mathematics, Engineering, or related eld; Master’s preferred.
· 7+ years of experience in credit risk strategy, credit analytics, or risk management within consulting, banking, or nancial 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 .
· Prociency 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.
🔢 Crunching numbers...
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