Credit Risk Strategy-Engagement Manager

EXL•San Francisco, CA

2h•$140,000 - $160,000•Hybrid

About The Position

Own and manage an assigned consumer lending portfolio, including personal loans, credit cards, and student loan refinancing. Monitor portfolio risk and performance, identify opportunities, and recommend strategy enhancements. Develop and implement underwriting, credit-line or loan-amount, pre-screen, and risk-tier strategies in line with client risk appetite. Use SQL and Python to analyze large datasets and identify drivers of losses, approvals, and profitability. Conduct champion/challenger and A/B testing to optimize approval, pricing, and limit strategies while balancing risk, revenue, and customer experience. Use internal, bureau, third-party, and alternative or cash-flow data to strengthen decisioning. Conduct fair lending testing and ensure strategies align with client policies and regulatory requirements. Collaborate with cross-functional teams to support accurate strategy deployment, and communicate analytical findings and recommendations to 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. The posted base salary range is $140,000–$160,000 per year, plus an annual bonus. The employer notes that final compensation depends on factors including skills, experience, work location, market conditions, and role scope; compensation in higher-cost zones may exceed the posted range. Benefits information is available through the employer’s careers and benefits website.

Requirements

Bachelor’s degree in a quantitative discipline such as Statistics, Mathematics, Economics, Computer Science, Data Science, Engineering, or a related field.
At least 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 or 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, with comfort operating as an embedded consultant.

Nice To Haves

Master’s degree.
Personal loan or credit card credit risk experience.
Experience with alternative or 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 covering personal loans, credit cards, or student loan refinancing; monitor risk and performance and recommend strategy enhancements.
Develop and implement underwriting, line or 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 or 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.