Credit Risk Strategy-Engagement Manager

EXL•San Francisco, CA

8d•Hybrid

About The Position

The Credit Risk Strategy-Engagement Manager owns an assigned consumer lending portfolio, including personal loans, credit cards, and student loan refinancing. The role monitors risk and performance and recommends strategy enhancements. It develops and implements underwriting, line or loan amount, pre-screen, and risk-tier strategies aligned with client risk appetite. Using SQL and Python, the role analyzes large datasets to identify drivers of losses, approvals, and profitability. It runs champion/challenger and A/B tests to improve approval, pricing, and limit strategies while balancing risk, revenue, and customer experience. The role uses internal, bureau, third-party, and alternative or cash-flow data to strengthen decisioning; conducts fair lending testing; and ensures alignment with client policies and regulatory requirements. The position partners with Business, Operations, Marketing, Finance, Product, Engineering, Legal, and Compliance to deploy strategies accurately. It translates analyses into clear insights and presentations for client stakeholders and leadership. The role is based in San Francisco, Dallas/Frisco, or New York, with 1–2 days per week in the office.

Requirements

Bachelor’s degree in a quantitative discipline such as Statistics, Mathematics, Economics, Computer Science, Data Science, Engineering, or a related field.
5+ years of experience in credit risk, credit strategy, or risk analytics; consumer lending experience in banking, fintech, or analytics consulting is ideal.
Strong hands-on SQL and Python skills for data extraction, manipulation, and analysis.
Working knowledge of decision trees/segmentation and credit lifecycle concepts, including underwriting, roll rates, and vintage analysis.
Demonstrated experience owning or developing credit strategies and monitoring portfolio performance.
Strong problem-solving skills and ability to turn data into actionable, business-facing recommendations.
Excellent communication and stakeholder-management skills; comfortable operating as an embedded consultant.

Nice To Haves

Master’s degree.
Personal loan or credit card credit risk experience.
Experience with alternative/cash-flow data, scorecard development, or decision engines.
Exposure to visualization tools such as Tableau or Power BI and version control such as Git.
Prior client-facing or consulting experience.

Responsibilities

Own an assigned consumer lending portfolio, monitor risk and performance, and recommend strategy enhancements.
Develop and implement underwriting, line/loan-amount, pre-screen, and risk-tier strategies aligned with client risk appetite.
Use SQL and Python to analyze large datasets and identify drivers of losses, approvals, and profitability.
Run champion/challenger and A/B tests to improve approval, pricing, and limit strategies while balancing risk, revenue, and customer experience.
Use internal, bureau, third-party, and alternative/cash-flow data to strengthen decisioning.
Conduct fair lending testing and ensure alignment with client policies and regulatory requirements.
Collaborate with Business, Operations, Marketing, Finance, Product, Engineering, Legal, and Compliance to deploy strategies accurately.
Translate analyses into clear insights and presentations for client stakeholders and leadership.