Credit Risk & Analytics - Engagement Manager

EXL • Canada,

1d • CA$160,000 - CA$190,000 • Remote

About The Position

The person in this role will work directly with the client and play a critical role in shaping how credit decisions, portfolio performance, and risk-adjusted revenue decisions are made. You’ll work on the full credit lifecycle from strategy and pricing to portfolio health and performance, ensuring the risk approach supports sustainable growth and strong financial outcomes. Your work will directly influence profitability, capital efficiency, and long-term scalability.

Requirements

• Strong decision-making capability and taking full ownership of outcomes
• Ability to balance risk and growth, making thoughtful trade-offs that drive business performance
• Highly analytical and comfortable challenging data and assumptions to reach better decisions
• Effective communication at an executive level and influencing across diverse stakeholders
• Ability to thrive in ambiguity and operate in a fast-paced, evolving environment
• Collaborative leadership while maintaining accountability and clear conviction
• Demonstrated curiosity, adaptability, and a growth mindset
• Comfortable working across global, distributed teams
• 10+ years of progressive experience in credit risk with direct ownership of portfolio performance
• 3+ years in a director-level or higher leadership role managing teams
• Proven track record of making credit and pricing decisions with measurable business impact
• Experience operating at an executive level with strong cross-functional influence
• Bachelor’s degree in finance, economics, mathematics, or a related field required
• Deep expertise in portfolio management, pricing strategy, and unit economics
• Strong understanding of underwriting processes, credit policy design, and segmentation strategies
• Ability to interpret and challenge analytics outputs without direct model development ownership
• Advanced proficiency in Excel
• Working knowledge of SQL and BI tools for data interpretation
• Familiarity with credit decisioning systems, data vendors, and fraud tools
• Experience leveraging data to inform strategy, stress testing, and scenario planning

Nice To Haves

• Advanced degree preferred
• Strong experience in small business lending, alternative finance, Merchant Cash Advances or non-prime environments preferred

Responsibilities

• Driving portfolio performance, risk appetite, and policy direction
• Balancing competitiveness and profitability across segments
• Aligning credit strategy with Finance, Product, Sales, and Underwriting
• Ensuring analytics and data teams deliver business impact
• Owning IRR, cohort performance, roll rates, and funnel conversion metrics, ensuring alignment with company growth and profitability goals
• Defining and evolving credit policy, underwriting strategy, and pricing frameworks that optimize risk-adjusted returns
• Partnering across Finance, Product, Sales, and Operations to ensure consistent execution of credit strategy and influence business outcomes

What This Job Offers

• Job Type: Full-time
• Career Level: Director