EXL Service - Credit Risk Strategy Consultant

Job description:

Role & responsibilities:

- A successful candidate would work as a EXL consultant with a leading US Financial Service Organization on an unsecured portfolio.

The job will require the consultant to work on:

• Analyze customer credit profiles, transaction patterns, and repayment behavior to recommend credit limit adjustments in both proactive and reactive scenarios.
• Develop and refine risk models, decision frameworks, and scoring methodologies for credit limit increase decisions.
• Monitor portfolio performance, early warning indicators, and risk trends, escalating concerns as needed.
• Collaborate with cross-functional teams including underwriting, fraud prevention, compliance, and customer experience to implement risk controls and enhance credit policies.
• Design and execute scenario analysis to assess potential risk exposures.
• Ensure adherence to regulatory requirements, responsible lending practices, and internal credit guidelines.
• Support reporting and governance by preparing insights for senior management, audit, and compliance reviews.

Qualifications:

• Bachelors degree in Finance, Economics, Statistics, Mathematics, or related field; Masters degree preferred.
• 4-9 years experience in analytics and decision science.
• Strong understanding of credit scoring models, limit management frameworks, and portfolio risk analytics.
• Risk analytics experience : Portfolio Analytics , Acquisition and Line Management, Policy and audit analysis, Reporting / Dashboarding, Performance tracking (should have a knowledge of risk concepts like delinquencies , pre-payments and loss-curves ect.)
• Proficiency in SQL, SAS ,Python; familiarity with BI tools (Tableau, Power BI) is a plus.
• Excellent problem-solving, communication, and stakeholder management skills.