Credit Risk Strategy-Engagement Manager

EXL•United States,

1d•$140,000 - $160,000•Hybrid

About The Position

This role involves owning an assigned consumer lending portfolio, monitoring its risk and performance, and recommending strategy enhancements. The position requires developing and implementing underwriting, line/loan-amount, pre-screen, and risk-tier strategies aligned with the client's risk appetite. The Engagement Manager will use SQL and Python to analyze large datasets, identify drivers of losses, approvals, and profitability, and run champion/challenger and A/B tests to optimize strategies. They will leverage various data sources to strengthen decisioning, conduct fair lending testing, and ensure alignment with client policies and regulatory requirements. Collaboration with various business units and clear communication of analyses and insights to stakeholders and leadership are key aspects of this role.

Requirements

Proficiency in SQL and Python for data analysis.
Experience analyzing large datasets.
Experience with champion/challenger and A/B testing.
Understanding of internal, bureau, third-party, and alternative/cash-flow data.
Knowledge of fair lending testing and regulatory requirements.
Strong collaboration and communication skills.

Responsibilities

Own an assigned consumer lending portfolio (personal loans, credit card, student loan refinance) — monitor risk and performance and recommend strategy enhancements.
Develop and implement underwriting, line/loan-amount, pre-screen, and risk-tier strategies aligned to the client’s 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 — 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 across Business, Operations, Marketing, Finance, Product, Engineering, Legal, and Compliance to deploy strategies accurately.
Translate analyses into crisp insights and presentations for client stakeholders and leadership.