Credit Risk (Consumer Cards)-Engagement Manager

EXL•United States,

About The Position

This role focuses on designing, implementing, and validating credit risk strategies for consumer cards across the entire lifecycle, including acquisition, underwriting, account management, exposure management, and collections. The Engagement Manager will perform detailed portfolio analysis using various data sources to identify opportunities for growth, loss mitigation, and risk optimization. They will also develop and enhance credit risk models and decision frameworks, deliver performance reports and dashboards, and collaborate with internal and external stakeholders to align strategies with business objectives. A key aspect of the role involves monitoring regulatory requirements, driving innovation through advanced analytics and automation, and providing strategic recommendations to senior leadership. Additionally, the Engagement Manager will be responsible for building client relationships, understanding their needs, and identifying opportunities for expanding services.

Requirements

Experience in designing, implementing, and validating credit risk strategies.
Proficiency in performing detailed portfolio analysis using internal data, bureau attributes, and alternative data.
Experience in developing and enhancing credit risk models and decision frameworks using advanced statistical and analytical techniques.
Ability to deliver MIS reports, dashboards, and performance reviews.
Experience collaborating with client stakeholders and cross-functional teams.
Knowledge of regulatory and governance requirements in credit risk.
Experience leveraging new data sources, advanced analytics, and automation.
Ability to provide insights and recommendations to senior leadership.
Experience in building and nurturing client relationships.
Experience identifying opportunities for cross-sell/up-sell.
Experience partnering with business development teams for proposal creation and client pitches.

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 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.