Lead design, implementation, and validation of end-to-end credit risk strategies. Perform portfolio analysis using internal, bureau, and alternative data. Build and enhance credit risk models and decision frameworks, deliver MIS reports and dashboards, ensure regulatory compliance, collaborate with stakeholders, support business development, and provide strategic recommendations to senior leadership while managing client relationships and driving analytics-led solutions.
Key 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.and leadership skills are required.
- 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
- Bachelor’s degree in Business, Finance, Statistics, Mathematics, Engineering, or related field; Master’s preferred.
- 7+ years of experience in credit risk strategy, credit analytics, or risk management within consulting, banking, or financial services.
- Strong expertise in consumer lending products (credit cards, personal loans, student loans, etc.) and credit lifecycle strategies.
- Proficiency in SAS, SQL, Python (Tableau is a plus).
- Solid background in data modeling, segmentation, regression, and statistical techniques for risk decisioning.
- Ability to synthesize complex analysis into clear recommendations for senior management.
- Strong communication, presentation, and stakeholder collaboration skills.
- Knowledge of credit risk regulatory requirements, governance frameworks, and emerging trends in digital lending.
- Preferred: Experience leveraging alternative data and innovative analytical approaches in credit strategy development.
- Proven experience in managing client accounts with a track record of delivering measurable impact.
- Business development mindset with experience in proposal writing, solutioning, or contributing to revenue growth initiatives.
Similar Jobs
Information Technology • Database • Consulting
Own and monitor a consumer lending portfolio; develop and implement underwriting, limit, pre-screen, and risk-tier strategies. Perform hands-on analysis with SQL and Python, run A/B and champion/challenger tests, use internal and third-party data, ensure fair lending governance, and collaborate across stakeholders to translate analysis into business recommendations.
Top Skills:
GitPower BIPythonSQLTableau
Information Technology • Database • Consulting
Design, deploy, and optimize end-to-end credit strategies for short-duration small-business lending. Develop underwriting policies, segmentation, limits, pricing, and limit assignment frameworks. Partner with product, engineering, data science, and underwriting to operationalize decisioning, enable experimentation, implement monitoring, and incorporate forward-looking risk signals and macro trends to maintain portfolio loss tolerances and investor-ready performance.
Top Skills:
MlopsPythonSQL
.png){kind=logo}
HR Tech • Professional Services • Sales • Consulting
Qualify inbound leads and execute targeted outbound outreach to book meetings and generate pipeline for Account Executives. Research prospects, articulate value to HR/L&D leaders, track activity in CRM, collaborate with sales and marketing, and improve SDR playbook using sales tools and AI for personalization.
Top Skills:
Ai ToolsApolloClaudeClayHubspotLinkedin Sales Navigator
What you need to know about the Chicago Tech Scene
With vibrant neighborhoods, great food and more affordable housing than either coast, Chicago might be the most liveable major tech hub. It is the birthplace of modern commodities and futures trading, a national hub for logistics and commerce, and home to the American Medical Association and the American Bar Association. This diverse blend of industry influences has helped Chicago emerge as a major player in verticals like fintech, biotechnology, legal tech, e-commerce and logistics technology. It’s also a major hiring center for tech companies on both coasts.
Key Facts About Chicago Tech
- Number of Tech Workers: 245,800; 5.2% of overall workforce (2024 CompTIA survey)
- Major Tech Employers: McDonald’s, John Deere, Boeing, Morningstar
- Key Industries: Artificial intelligence, biotechnology, fintech, software, logistics technology
- Funding Landscape: $2.5 billion in venture capital funding in 2024 (Pitchbook)
- Notable Investors: Pritzker Group Venture Capital, Arch Venture Partners, MATH Venture Partners, Jump Capital, Hyde Park Venture Partners
- Research Centers and Universities: Northwestern University, University of Chicago, University of Illinois Urbana-Champaign, Illinois Institute of Technology, Argonne National Laboratory, Fermi National Accelerator Laboratory
