Strategy Manager - Credit Risk Analytics

EXL • Pennsylvania, PA

7d • $115,000 - $135,000 • Onsite

About The Position

The Strategy Manager develops and implements credit risk frameworks that optimize risk and profitability while protecting portfolio stability. The role partners with Product and Marketing teams to shape credit card and consumer lending products, customer acquisition, and portfolio growth through data-driven analytics.

The position is onsite in Horsham, Pennsylvania, with a posted base salary range of $115,000–$135,000 per year plus an annual bonus. Final offers depend on factors including skills and experience, internal pay equity, location, market conditions, and role scope.

Requirements

• Bachelor's degree or higher in engineering or a related field.
• At least 6 years of credit risk management experience focused on strategy development.
• Analytics consulting experience in banking, including product or marketing analytics for credit card or consumer lending portfolios.
• Strong proficiency in SAS, SQL, or Python.
• Strong problem-solving skills and experience in statistical analysis, loss forecasting, simulation-based market sizing, and financial modeling.
• Experience owning or partnering on strategy for credit card or digital products, including requirements, KPIs, roadmap prioritization, and launches from concept to scale.
• Strong communication and stakeholder management skills across all levels.
• Proven record of leading and developing high-performing teams.
• Experience in a bank or fintech analytics, risk, or fraud team.

Nice To Haves

• MBA, ideally focused on strategy and product management.
• Experience with AWS SageMaker, Snowflake, Power BI, Tableau, and A/B testing.
• Python/SQL workflow tooling, LLM-enabled analytics, or machine learning or SAS certifications.
• Experience launching new products from zero to scale.

Responsibilities

• Develop and implement credit risk strategies with Regulatory, Product, Marketing, Analytics, Fraud, and Risk teams, aligned with business objectives and compliance requirements.
• Present insights and recommendations to senior leadership, build consensus through governance forums, and secure approval for policy and strategy changes.
• Design, test, and deploy credit policy changes, including risk-tiering and acquisition underwriting for credit card portfolios, and measure business impact.
• Own product management for credit card offerings and digital journeys: define requirements and KPIs, prioritize roadmaps with Product, Technology, and Operations, and run A/B and rule experiments that protect conversion while controlling fraud and losses.
• Lead marketing analytics for acquisition and portfolio growth by measuring campaign performance, funnel conversion, segmentation, acquisition cost, and lifetime value against risk-adjusted returns to guide targeting, pricing, and go-to-market decisions.
• Size markets and build business cases for new product launches and market entries using scenario analysis and simulation, embedding KYC, AML, and regulatory requirements from launch.
• Monitor portfolio performance through executive dashboards, analyze trends and loss forecasts, and recommend actions to improve risk-adjusted returns and portfolio health.

What This Job Offers

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